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.

Estimated insurance prices for an Audi A4 are $1,544 every 12 months including full coverage. Comprehensive costs an estimated $332 a year, collision costs $656, and liability coverage is estimated at $398. Liability-only insurance costs approximately $460 a year, with high-risk driver insurance costing around $3,356. Teen drivers pay the most at $5,696 a year or more.

Average premium for full coverage: $1,544

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and A4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area and their own driving history, rather than using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $874
• Choosing higher $1,000 deductibles can save approximately $1,320 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,544
• Choosing low $100 deductibles for comp and collision coverage increases the price to $1,980
• Drivers with multiple violations and an at-fault accident could pay up to $3,356 or more
• An auto insurance policy to insure a teenage driver can cost as much as $5,696 each year

View Chart as Image

Insurance prices for an Audi A4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Choosing high deductibles can save as much as $660 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $358 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, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,600 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 130% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,180 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,200 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different rate calculation, and prices will be substantially 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 Cheap Audi A4 Insurance

Finding better rates on auto insurance takes avoiding accidents and violations, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The list below is a brief summary of the information covered above.

• You may be able to save approximately $190 per year simply by quoting early and online
• Teenagers are expensive to insure, with the cost nearing $475 per month if full coverage is included
• Increasing policy deductibles could save as much as $650 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,810 more annually for car insurance
• Consumers who want higher liability limits will pay about $440 per year to raise limits from 30/60 bodily injury limits to a 250/500 level

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