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.

The average insurance rates for an Audi A4 are $1,544 a year for full coverage. Comprehensive costs an estimated $332, collision costs $656, and liability costs around $398. Liability-only coverage costs as low as $460 a year, with high-risk coverage costing around $3,356. 16-year-old drivers cost the most to insure at $5,696 a year or more.

Average premium for full coverage: $1,544

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different A4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.

The price range example below illustrates how location helps determine insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $874
• Using higher $1,000 deductibles will save approximately $224 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,544
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $1,980
• Drivers with multiple tickets or accidents could pay up to $3,356 or more
• Policy cost for full coverage for a teen driver with full coverage can cost as much as $5,696 or more

View Chart as Image

Insurance rates for an Audi A4 also range considerably based on your risk profile, the trim level of your A4, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $5,600 a year. View Rates by Age

Your home state has a huge impact on Audi A4 insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like Iowa, Maine, and Idaho, or at least $2,200 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $660 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying $1,800 to $2,500 additional every year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and rates will be varied from one company to the next.

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 Affordable Audi A4 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief review of the car insurance concepts covered in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions pay an average of $1,810 more annually than a driver with a clean driving record
• Drivers can save approximately $190 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $650 each year
• Policyholders who want additional liability coverage will pay around $440 each year to increase from a 30/60 limit to 250/500 limits

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