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 with full coverage. Comprehensive costs an estimated $346 each year, collision insurance costs $660, and liability is estimated at $390. A policy with just liability insurance costs approximately $452 a year, and coverage 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 broken down by individual coverage type:

These estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and A4 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on car insurance rates. More rural locations tend to have lower incidents of collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples demonstrate why all drivers should get quotes for a targeted area, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $880
• Choosing higher $1,000 deductibles can save approximately $228 annually
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,554
• Buying low deductibles for comp and collision coverage bumps up the cost to $2,000
• Unlucky drivers with multiple tickets or accidents could pay up to $3,372
• The cost that insures a teen 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 the trim level and model year, your age and driving habits, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you may be forking out $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Audi A4 insurance prices. A good driver about age 40 could pay as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or at least $2,100 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $680 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 more each 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 Cheap Audi A4 Insurance

Saving money on car insurance takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and possibly raising deductibles. Comparison shop at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the car insurance concepts covered above.

• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,820 more annually to insure an Audi A4
• You may be able to save approximately $190 per year just by quoting online in advance
• Increasing deductibles can save approximately $675 each year
• Policyholders who want increased liability limits will pay around $430 every year to raise limits from a minimum limit to the 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