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.

Estimated insurance rates for an Audi A4 are $1,554 a year for full coverage. Comprehensive insurance costs an estimated $346, collision insurance costs $660, and liability insurance costs $390. A liability-only policy costs as little as $452 a year, and high-risk insurance costs $3,372 or more. Teen drivers pay the most at up to $5,696 a year.

Average premium for full coverage: $1,554

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for different A4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates for a targeted area, rather than relying on price averages.

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

More Rate Details

The chart below shows average Audi A4 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $880
• Drivers who choose higher $1,000 deductibles will pay approximately $228 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,554
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $446 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $3,372
• An auto insurance policy that insures a teen driver with full coverage can cost as much as $5,696 a year

View Chart as Image

Auto insurance prices for an Audi A4 also have a wide range based on the model year and trim level, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,800 to $2,500 in extra premium annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,600 a year. View Rates by Age

Where you choose to live makes a big difference in Audi A4 insurance rates. A 40-year-old driver could pay as low as $1,030 a year in states like Iowa, Maine, and Idaho, or as much as $2,220 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $680 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $351 extra every year. View Rates by Deductible or Liability Limit

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 Find Cheaper Audi A4 Insurance

Finding better rates on Audi A4 insurance not only requires being safe and accident-free, but also maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Shop around at least every other year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a condensed summary of the car insurance concepts covered above.

• High-risk drivers with multiple at-fault accidents may pay on average $1,820 more annually than a low-risk driver
• Drivers can save approximately $190 per year just by shopping early and online
• Increasing policy deductibles can save approximately $675 each year
• Drivers who want more liability protection will pay about $430 each year to go from 30/60 bodily injury limits to the 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