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.

U.S. average auto insurance rates for an Audi A4 are $1,544 annually with full coverage. Comprehensive insurance costs an estimated $332 a year, collision insurance costs $656, and liability is estimated at $398. A policy with just liability insurance costs approximately $460 a year, and coverage for high-risk drivers costs $3,356 or more. Teens pay the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,544

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and A4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. More rural locations have fewer collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects insurance prices.

The ranges above demonstrate why it is important to get quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

The chart below details average Audi A4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $874
• Choosing higher $1,000 deductibles can save approximately $1,320 annually
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,544
• Selecting low $100 deductibles for comp and collision coverage costs an additional $436 every year
• Unlucky drivers with serious driving violations could pay up to $3,356
• The price with full coverage for a teen driver can cost as much as $5,696 each year

View Chart as Image

Insurance prices for an Audi A4 are also quite variable based on the trim level and model year, your driving record, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay at least $5,600 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out $1,800 to $2,500 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $660 every year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 more per year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Audi A4 insurance prices. A good driver about age 40 could pay as low as $1,110 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $2,090 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy Affordable Audi A4 Insurance

Getting lower rates on car insurance takes being a good driver, having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following list is a brief review of the coverage data touched on in the above illustrations.

• You may be able to save approximately $190 per year just by quoting early and online
• Increasing physical damage deductibles could save up to $650 each year
• Drivers age 16 to 20 are charged the highest prices, costing up to $475 a month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,810 more annually than a safer driver

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