Audi A4 allroad Insurance Rates
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UPDATED: May 22, 2024
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Average insurance rates for an Audi A4 allroad are $1,556 a year for full coverage. Comprehensive insurance costs an estimated $332, collision costs $610, and liability insurance is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing $3,378 or more. Teenage drivers receive the highest rates at $5,790 a year or more.
Average premium for full coverage: $1,556
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all states and for different A4 allroad trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $508 for minimum levels of liability insurance to a much higher rate of $3,378 for a driver who has had serious violations or accidents.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have a lower frequency of accident claims than densely populated cities.
The price range example below illustrates how rural and urban location affects insurance prices.
These examples show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on average rates.
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 Details
The chart below shows estimated Audi A4 allroad insurance rates for other coverage scenarios.
- The best discount rate is $885
- Raising to $1,000 deductibles will save approximately $214 a year
- The average rate for a 40-year-old driver who has $500 deductibles is $1,556
- Using more expensive low deductibles will cost an extra $416 a year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,378 or more
- The cost for full coverage for a teen driver with full coverage can cost as much as $5,790
Auto insurance rates for an Audi A4 allroad can also vary considerably based on your driver profile, the trim level of your A4 allroad, and liability limits and deductibles.
An older driver with a good driving record and high deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $5,700 a year. View Rates by Age
Where you live also has a big influence on Audi A4 allroad insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,220 on average in New York, Louisiana, and Michigan.
| 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% |
Using high physical damage deductibles can reduce rates by up to $630 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying $1,900 to $2,500 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 136% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to know which company is cheapest is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.
| 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 Find Low Cost Audi A4 allroad Insurance
Saving money on Audi A4 allroad insurance consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct carriers like GEICO and Progressive, and also from local independent and exclusive agents.
The items below are a review of the ideas that were raised in the charts and tables above.
- Teen drivers are the costliest to insure, costing as high as $483 per month if they have full coverage
- High-risk drivers who have several accidents or serious violations pay an average of $1,820 more annually to insure their A4 allroad
- Increasing deductibles can save around $625 each year
- Drivers can save approximately $190 per year simply by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,972 |
| $250 | $1,780 |
| $500 | $1,556 |
| $1,000 | $1,342 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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