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 rates for an Audi A4 are $1,554 a year for full coverage insurance. Comprehensive costs approximately $346 a year, collision insurance costs $660, and liability costs $390. Buying just liability costs as little as $452 a year, and insurance for high-risk drivers costs around $3,372. 16-year-old drivers receive the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,554

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and A4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities. The diagram below illustrates the difference location can make on auto insurance prices.

These examples illustrate why it is important to compare rates using their specific location, instead of making a decision based on rate averages.

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

More Rate Information

The chart below illustrates average Audi A4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $880
• Drivers who choose higher $1,000 deductibles will pay $1,326 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,554
• Buying low $100 deductibles for comprehensive and collision insurance bumps up the cost to $2,000
• Drivers with multiple tickets or accidents could pay around $3,372
• The cost that insures a 16-year-old driver can cost $5,696 a year

View Chart as Image

Auto insurance rates for an Audi A4 can also vary considerably based on the trim level of your A4, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,600 a year. View Rates by Age

Where you live makes a big difference in Audi A4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,100 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $680 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

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 Find Affordable Audi A4 Insurance

Saving money on insurance for an Audi A4 not only requires being safe and accident-free, but also maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Comparison shop every year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below you'll find a brief review of the coverage data touched on in this article.

• It is possible to save around $190 per year just by quoting early and online
• Increasing deductibles can save approximately $675 each year
• Youthful drivers have the highest car insurance rates, costing up to $475 per month if the policy includes full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,820 more per year than a low-risk 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