Audi A4 allroad Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 22, 2024

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The average auto insurance rates for an Audi A4 allroad are $1,556 annually including full coverage. Comprehensive costs approximately $332 a year, collision insurance costs $610, and liability coverage costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs around $3,378. Teen drivers cost the most to insure at up to $5,790 a year.

Average premium for full coverage: $1,556

Policy rates by type of insurance:

Comprehensive $332
Collision $610
Liability $456

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and A4 allroad trim levels.

Price Range Variability

For the normal driver, Audi A4 allroad insurance rates range from as cheap as $508 for the bare minimum liability coverage to a high of $3,378 for a driver who requires high-risk insurance.

Liability Only $508
Full Coverage $1,556
High Risk $3,378

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The diagram below illustrates how geographic area affects auto insurance prices.

Rural Areas $1,167
Small Cities $1,634
Large Cities $2,101

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Information

The chart below breaks down average Audi A4 allroad insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $885
  • Using higher $1,000 deductibles will save $1,342 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,556
  • Choosing low $100 deductibles for physical damage coverage will cost $1,972
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,378
  • Policy cost with full coverage for a teenage driver can cost $5,790 or more

View Chart as Image

Audi A4 allroad insurance cost comparison chart
Column chart showing Audi A4 allroad insurance rates range from $885 to $5,790 for full coverage

Auto insurance rates for an Audi A4 allroad also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,900 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can be around 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $630 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi A4 allroad insurance rates. A driver around age 40 might see rates as low as $1,190 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,220 on average in Louisiana, New York, and Michigan.

Audi A4 allroad Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,408 -$148 -9.5%
Alaska $1,194 -$362 -23.3%
Arizona $1,290 -$266 -17.1%
Arkansas $1,556 -$0 0.0%
California $1,774 $218 14.0%
Colorado $1,488 -$68 -4.4%
Connecticut $1,600 $44 2.8%
Delaware $1,760 $204 13.1%
Florida $1,948 $392 25.2%
Georgia $1,436 -$120 -7.7%
Hawaii $1,118 -$438 -28.1%
Idaho $1,052 -$504 -32.4%
Illinois $1,160 -$396 -25.4%
Indiana $1,172 -$384 -24.7%
Iowa $1,050 -$506 -32.5%
Kansas $1,478 -$78 -5.0%
Kentucky $2,124 $568 36.5%
Louisiana $2,302 $746 47.9%
Maine $960 -$596 -38.3%
Maryland $1,284 -$272 -17.5%
Massachusetts $1,244 -$312 -20.1%
Michigan $2,702 $1,146 73.7%
Minnesota $1,304 -$252 -16.2%
Mississippi $1,864 $308 19.8%
Missouri $1,380 -$176 -11.3%
Montana $1,672 $116 7.5%
Nebraska $1,226 -$330 -21.2%
Nevada $1,864 $308 19.8%
New Hampshire $1,120 -$436 -28.0%
New Jersey $1,738 $182 11.7%
New Mexico $1,378 -$178 -11.4%
New York $1,638 $82 5.3%
North Carolina $896 -$660 -42.4%
North Dakota $1,272 -$284 -18.3%
Ohio $1,074 -$482 -31.0%
Oklahoma $1,598 $42 2.7%
Oregon $1,426 -$130 -8.4%
Pennsylvania $1,484 -$72 -4.6%
Rhode Island $2,076 $520 33.4%
South Carolina $1,410 -$146 -9.4%
South Dakota $1,314 -$242 -15.6%
Tennessee $1,362 -$194 -12.5%
Texas $1,874 $318 20.4%
Utah $1,152 -$404 -26.0%
Vermont $1,066 -$490 -31.5%
Virginia $932 -$624 -40.1%
Washington $1,204 -$352 -22.6%
West Virginia $1,426 -$130 -8.4%
Wisconsin $1,078 -$478 -30.7%
Wyoming $1,386 -$170 -10.9%

View Chart as Image

Audi A4 allroad insurance rates by U.S. city
Audi A4 allroad Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A4 allroad $424 $780 $390 $1,752
2023 Audi A4 allroad $406 $774 $398 $1,736
2022 Audi A4 allroad $394 $756 $416 $1,724
2021 Audi A4 allroad $380 $724 $430 $1,692
2020 Audi A4 allroad $358 $698 $442 $1,656
2018 Audi A4 allroad $332 $610 $456 $1,556
2017 Audi A4 allroad $318 $548 $460 $1,484

Rates are averaged for all Audi A4 allroad models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy Cheaper Audi A4 allroad Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and possibly higher deductibles. Invest the time to compare rates at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The points below are a condensed summary of the concepts that were presented in the illustrations above.

  • Drivers with multiple at-fault accidents may have to pay on average $1,820 more per year to insure an Audi A4 allroad
  • Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $483 each month if full coverage is included
  • You may be able to save around $190 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $625 each year
  • You may be able to save around $190 per year just by quoting early and online

Rates by Driver Age

Audi A4 allroad Insurance Rates by Driver Age
Driver Age Premium
16 $5,790
20 $3,596
30 $1,624
40 $1,556
50 $1,420
60 $1,394

Full coverage, $500 deductibles

Rates by Deductible

Audi A4 allroad Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,972
$250 $1,780
$500 $1,556
$1,000 $1,342

Full coverage, driver age 40

Rates by Liability Limit

Audi A4 allroad Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,556
50/100 $1,647
100/300 $1,761
250/500 $2,058
100 CSL $1,693
300 CSL $1,944
500 CSL $2,126

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A4 allroad Insurance Rates for High Risk Drivers
Age Premium
16 $8,278
20 $5,732
30 $3,452
40 $3,378
50 $3,226
60 $3,198

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $220

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $84
Multi-vehicle $83
Homeowner $23
5-yr Accident Free $117
5-yr Claim Free $102
Paid in Full/EFT $72
Advance Quote $78
Online Quote $112
Total Discounts $671
Rate after discounts $885

Discounts are estimated and may not be available from every company or in every state.

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