Audi A4 allroad Insurance Rates
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UPDATED: May 22, 2024
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Average auto insurance rates for an Audi A4 allroad are $1,602 annually for full coverage insurance. Comprehensive insurance costs approximately $344, collision insurance costs $648, and liability insurance is estimated at $452. A policy with just liability insurance costs approximately $504 a year, and coverage for high-risk drivers costs $3,484 or more. 16-year-old drivers receive the highest rates at up to $5,936 a year.
Average premium for full coverage: $1,602
Rate estimates by individual coverage type:
Price estimates include $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all A4 allroad models.
Price Range by Coverage and Risk
For the average driver, prices range range from as cheap as $504 for basic liability insurance to the much higher price of $3,484 for a driver that may need high-risk insurance.
Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have fewer physical damage claims than congested cities. The example below illustrates how location impacts auto insurance prices.
These examples illustrate why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on rate 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.
Rate Comparisons
The chart below illustrates average Audi A4 allroad insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $907
- Choosing higher $1,000 deductibles can save $224 each year
- The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,602
- Buying pricier low deductibles for comp and collision coverage costs an additional $440 a year
- High-risk insureds with multiple tickets or accidents could pay around $3,484
- The cost with full coverage for a teen driver for full coverage can cost $5,936 each year
Insurance rates for an Audi A4 allroad can also vary considerably based on the trim level of your A4 allroad, your risk profile, and physical damage deductibles and liability limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,500 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,900 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,900 to $2,600 additional per year, depending on your age. Audi A4 allroad insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can save as much as $670 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit
Where you live plays a big part in determining prices for Audi A4 allroad insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like North Carolina, Wisconsin, and Vermont, or at least $2,160 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,450 | -$152 | -9.5% |
| Alaska | $1,230 | -$372 | -23.2% |
| Arizona | $1,330 | -$272 | -17.0% |
| Arkansas | $1,602 | -$0 | 0.0% |
| California | $1,828 | $226 | 14.1% |
| Colorado | $1,532 | -$70 | -4.4% |
| Connecticut | $1,648 | $46 | 2.9% |
| Delaware | $1,814 | $212 | 13.2% |
| Florida | $2,004 | $402 | 25.1% |
| Georgia | $1,478 | -$124 | -7.7% |
| Hawaii | $1,152 | -$450 | -28.1% |
| Idaho | $1,086 | -$516 | -32.2% |
| Illinois | $1,194 | -$408 | -25.5% |
| Indiana | $1,206 | -$396 | -24.7% |
| Iowa | $1,080 | -$522 | -32.6% |
| Kansas | $1,524 | -$78 | -4.9% |
| Kentucky | $2,186 | $584 | 36.5% |
| Louisiana | $2,372 | $770 | 48.1% |
| Maine | $988 | -$614 | -38.3% |
| Maryland | $1,322 | -$280 | -17.5% |
| Massachusetts | $1,282 | -$320 | -20.0% |
| Michigan | $2,784 | $1,182 | 73.8% |
| Minnesota | $1,340 | -$262 | -16.4% |
| Mississippi | $1,920 | $318 | 19.9% |
| Missouri | $1,422 | -$180 | -11.2% |
| Montana | $1,720 | $118 | 7.4% |
| Nebraska | $1,264 | -$338 | -21.1% |
| Nevada | $1,924 | $322 | 20.1% |
| New Hampshire | $1,156 | -$446 | -27.8% |
| New Jersey | $1,792 | $190 | 11.9% |
| New Mexico | $1,420 | -$182 | -11.4% |
| New York | $1,688 | $86 | 5.4% |
| North Carolina | $924 | -$678 | -42.3% |
| North Dakota | $1,312 | -$290 | -18.1% |
| Ohio | $1,108 | -$494 | -30.8% |
| Oklahoma | $1,646 | $44 | 2.7% |
| Oregon | $1,468 | -$134 | -8.4% |
| Pennsylvania | $1,528 | -$74 | -4.6% |
| Rhode Island | $2,138 | $536 | 33.5% |
| South Carolina | $1,452 | -$150 | -9.4% |
| South Dakota | $1,352 | -$250 | -15.6% |
| Tennessee | $1,404 | -$198 | -12.4% |
| Texas | $1,932 | $330 | 20.6% |
| Utah | $1,188 | -$414 | -25.8% |
| Vermont | $1,098 | -$504 | -31.5% |
| Virginia | $958 | -$644 | -40.2% |
| Washington | $1,238 | -$364 | -22.7% |
| West Virginia | $1,468 | -$134 | -8.4% |
| Wisconsin | $1,108 | -$494 | -30.8% |
| Wyoming | $1,430 | -$172 | -10.7% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi A4 allroad | $444 | $812 | $372 | $1,786 |
| 2023 Audi A4 allroad | $424 | $780 | $390 | $1,752 |
| 2022 Audi A4 allroad | $406 | $774 | $398 | $1,736 |
| 2021 Audi A4 allroad | $394 | $756 | $416 | $1,724 |
| 2020 Audi A4 allroad | $380 | $724 | $430 | $1,692 |
| 2018 Audi A4 allroad | $344 | $648 | $452 | $1,602 |
| 2017 Audi A4 allroad | $332 | $610 | $456 | $1,556 |
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
Saving money on Audi A4 allroad insurance takes having a good driving record, having good credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Spend time shopping around once a year by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The next list is a condensed summary of the data that was touched on above.
- It is possible to save around $200 per year just by quoting online well ahead of the renewal date
- Drivers who purchase increased levels of liability coverage will pay around $500 annually to raise limits from a minimum limit to higher 250/500 limits
- Drivers age 20 and younger are the costliest to insure, costing up to $495 per month if they have full coverage
- High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,880 more per year to buy Audi A4 allroad insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,936 |
| 20 | $3,710 |
| 30 | $1,674 |
| 40 | $1,602 |
| 50 | $1,464 |
| 60 | $1,436 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $2,042 |
| $250 | $1,838 |
| $500 | $1,602 |
| $1,000 | $1,378 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,602 |
| 50/100 | $1,692 |
| 100/300 | $1,805 |
| 250/500 | $2,099 |
| 100 CSL | $1,738 |
| 300 CSL | $1,986 |
| 500 CSL | $2,167 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,498 |
| 20 | $5,912 |
| 30 | $3,562 |
| 40 | $3,484 |
| 50 | $3,326 |
| 60 | $3,296 |
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 | $87 |
| Multi-vehicle | $85 |
| Homeowner | $23 |
| 5-yr Accident Free | $122 |
| 5-yr Claim Free | $105 |
| Paid in Full/EFT | $76 |
| Advance Quote | $81 |
| Online Quote | $116 |
| Total Discounts | $695 |
Discounts are estimated and may not be available from every company or in every state.
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