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.

The average insurance rates for an Audi A4 are $1,544 a year for full coverage. Comprehensive costs around $332, collision costs $656, and liability coverage is estimated at $398. Buying just liability costs approximately $460 a year, with insurance for high-risk drivers costing around $3,356. Teen drivers cost the most to insure at $5,696 a year or more.

Average premium for full coverage: $1,544

Policy rates for type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code, rather than using price averages.

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

More Rate Information

The chart below shows estimated Audi A4 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $874
• Choosing higher $1,000 deductibles can save about $224 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,544
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $1,980
• Drivers with multiple violations and an at-fault accident could pay at least $3,356 or more
• Policy cost that insures a teenage driver with full coverage can be $5,696 each year

View Chart as Image

Insurance rates for an Audi A4 also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Idaho, Maine, and Iowa, or as much as $2,200 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles can save as much as $660 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so the rates will be varied.

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 the Best Cheap Audi A4 Insurance

Finding cheaper rates on auto insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around every year by requesting rates from direct carriers, and also from several local insurance agents.

Below you'll find a quick review of the coverage data raised in the charts and tables above.

• Drivers can save up to $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $650 each year
• Youthful drivers pay higher rates, costing up to $475 each month if full coverage is included
• Drivers with a DUI or reckless driving violation pay on average $1,810 more every 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