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 prices for an Audi A4 are $1,544 every 12 months for full coverage insurance. Comprehensive insurance costs on average $332, collision insurance costs $656, and liability insurance is estimated at $398. Liability-only coverage costs approximately $460 a year, and high-risk coverage costs $3,356 or more. Teens receive the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,544

Rate estimates by individual coverage type:

Full coverage includes $500 physical damage deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different A4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change car insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

The chart below illustrates average Audi A4 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $874
• Choosing higher $1,000 deductibles can save around $224 each year
• The average price for a 40-year-old driver with $500 deductibles is $1,544
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $436 a year
• High-risk insureds with serious driving violations could pay upwards of $3,356
• The cost to insure a teen driver with full coverage may cost $5,696 each year

View Chart as Image

Car insurance rates for an Audi A4 can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your A4.

Choosing higher comprehensive and collision insurance deductibles can save as much as $660 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged upwards of $5,600 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Audi A4 insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,090 on average in Michigan, New York, 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 Shop for More Affordable Audi A4 Insurance

Saving money on Audi A4 insurance takes being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Invest the time to shop around at least every other year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a summary of the car insurance concepts illustrated above.

• High-risk drivers who have multiple accidents or major violations pay on average $1,810 more each year for auto insurance
• It is possible to save as much as $190 per year just by shopping early and online
• Increasing deductibles could save as much as $650 each year
• Drivers who require higher levels of liability will pay approximately $440 annually to raise limits from a minimum limit 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