Audi A4 allroad Insurance Rates
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UPDATED: May 22, 2024
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U.S. average insurance rates for an Audi A4 allroad are $1,556 a year for full coverage insurance. Comprehensive costs on average $332, collision costs $610, and liability coverage is $456. Buying just liability costs around $508 a year, with insurance for high-risk drivers costing around $3,378. 16-year-old drivers pay the highest rates at $5,790 a year or more.
Average premium for full coverage: $1,556
Price estimates by individual coverage:
Rate estimates include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all A4 allroad models.
Price Range from Low to High
Using a 40-year-old driver as an example, Audi A4 allroad insurance prices go from as low as $508 for a discount liability-only rate to the much higher price of $3,378 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Rural areas have a lower frequency of physical damage claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
The ranges above illustrate why everyone should compare rates quotes based on a specific location and risk profile, rather than using 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.
Rates by State, City, and Model
The chart below illustrates estimated Audi A4 allroad insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $885
- Raising to $1,000 deductibles will save around $214 each year
- The average rate for the average middle-age driver with $500 deductibles is $1,556
- Buying pricier low deductibles will increase the cost to $1,972
- Unlucky drivers with multiple tickets or accidents could pay upwards of $3,378 or more
- The price for full coverage for a teenage driver for full coverage may cost $5,790
Insurance prices for an Audi A4 allroad are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.
A more mature driver with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,700 a year. View Rates by Age
The state you live in also has a big influence on Audi A4 allroad insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,100 on average in Michigan, New York, and Florida.
| 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% |
Opting for high physical damage deductibles can reduce prices by up to $630 a year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $411 more each year. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,900 to $2,500 additional each year, depending on your age. Audi A4 allroad insurance for high-risk drivers is expensive and can cost around 43% to 136% more than the average rate. View High Risk Driver Rates
Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices and see how they stack up. Every auto insurance company utilizes a different rate formula, and prices may be quite 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 the Best Audi A4 allroad Insurance
Getting lower rates on auto insurance consists of having a good driving record, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.
The next list is a brief recap of the data raised in the charts and tables above.
- Consumers who require increased levels of liability coverage will pay around $500 annually to raise from a low limit to 250/500 limits
- It is possible to save as much as $190 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $625 each year
- Drivers age 20 and younger pay higher prices, as much as $483 a month including comprehensive and collision insurance
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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