Audi A4 Insurance Rates

Are Audi A4s expensive to insure? Audi A4 insurance rates can be expensive. The average insurance for an Audi A4 will cost $1,580 a year, or $131 a month.

Read our guide to learn how to save on a variety of Audi A4 model years, such as 2019 Audi A4 car insurance costs or 2002 Audi A4 insurance costs or Audi A4 insurance cost for a 17-year-old. By the end, you’ll be able to secure cheap car insurance rates for your Audi A4.

To start comparison shopping for affordable Audi A4 auto insurance rates, enter your ZIP code into our free tool above. You can review multiple quotes from Audi A4 auto insurance companies near you.

Average insurance prices for an Audi A4 are $1,554 every 12 months for full coverage. Comprehensive insurance costs an estimated $346 a year, collision costs $660, and liability coverage is estimated at $390. A policy with just liability insurance costs approximately $452 a year, with coverage for high-risk drivers costing $3,372 or more. Teenage drivers receive the highest rates at $5,696 a year or more.

Average premium for full coverage: $1,554

Rate estimates broken down by individual coverage type:

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and A4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a large influence on insurance rates. More rural locations tend to have more infrequent accident claims than densely populated cities.

The diagram below illustrates how location helps determine insurance prices.

These examples show why it is important to get quotes for a targeted area and their own driving history, rather than using average rates.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows estimated Audi A4 insurance rates for other coverage scenarios.

• The best discount rate is $880
• Choosing higher $1,000 deductibles can save approximately $1,326 a year
• The average price for a 40-year-old driver who has $500 deductibles is $1,554
• Using low $100 deductibles for comp and collision coverage costs an extra $446 each year
• Drivers who are prone to accidents and violations could pay up to $3,372 or more
• The cost to insure a teenage driver can cost as much as $5,696 each year

View Chart as Image

Insurance rates for an Audi A4 can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $680 a year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $351 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,800 to $2,500 additional per year, depending on your age. A high-risk auto insurance policy ranges around 44% to 129% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,220 on average in New York, Louisiana, and Michigan.

View Chart as Image

With so much variability in rates, the only way to know which company is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheaper Audi A4 Insurance

Saving money on auto insurance takes being safe and accident-free, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Invest time comparing rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the material that was covered in the charts and tables above.

• Consumers who want more liability protection will pay an extra $430 each year to raise limits from a minimum limit to a 250/500 level
• Youthful drivers are expensive to insure, costing as high as $475 per month if full coverage is included
• Drivers with multiple at-fault accidents pay on average $1,820 more annually than a low-risk driver
• Increasing deductibles could save as much as $675 each year

Shopping for Audi auto insurance is the best way to save on Audi A4 auto insurance rates. Regardless of whether you are looking for 2019, 2018, 2012, 2014, or 2010 Audi A4 costs or Audi A4 insurance for a 16-year-old, as well as every model year in between, shopping for rates will help you save.

To find out how much is an Audi A4 insurance plan, enter your ZIP code in our free tool below.

What are the safety ratings of the Audi A4?

Great safety ratings and features help reduce rates, regardless of whether it is Audi A4 car insurance prices or Audi Quattro insurance. Some of the Audi A4s best safety features are brake assist, electronic stability control, blind-spot monitor, auto-leveling headlights, and cross-traffic alert.

The 2020 Audi A4 sedan also has great crash test ratings from the Insurance Institute for Highway Safety (IIHS). See them below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

The video below demonstrates one of the IIHS crash tests on the Audi A4.

The National Highway Traffic Safety Administration completed a crash test for the Audi A4. See the Audi A4 crash test results for past models in the table below.

Audi A4 Crash Test Ratings

A 5-star rating is the best score given by the National Highway Traffic Safety Administration. Overall, this vehicle performed very well.

Audi A4 Compared Against Other Vehicles in the Same Class

The Audi A4 is a midsize luxury car. Unfortunately, luxury vehicles tend to have higher rates. Luckily, the Insurance Institute for Highway Safety found that in comparison to other midsize luxury vehicles, the Audi A4’s liability insurance losses are better than average and substantially better than average.

See details about the Audi A4 auto insurance loss probability totals in the following table.

Audi A4 Insurance Loss Probability

The higher the number, the worse the loss ratio. While the collision loss ratios are substantially worse than average for this vehicle, all other categories have average or better than average ratios.

To see how the Audi A4’s rates compare to other midsize luxury cars’ rates, take a look at the cars below.

• Acura TLX Insurance Rates
• Audi A3 Insurance Rates
• Audi A5 Insurance Rates

To save on Audi A4 average car insurance costs, remember to shop around for everything from 2003 Audi A4 insurance rates to Audi A4 insurance for a 19-year-old.

Before you buy Audi A4 car insurance, make sure you are getting the best deal.

Enter your five-digit ZIP code into our free rate comparison tool to find cheap Audi A4 auto insurance rates.

References

1. https://www.iihs.org/ratings/vehicle/audi/a4-4-door-sedan/2020