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 $1,554 a year for full coverage insurance. Comprehensive insurance costs approximately $346 a year, collision insurance costs $660, and liability costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs $3,372 or more. Teenage drivers cost the most to insure at up to $5,696 a year.

Average premium for full coverage: $1,554

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and A4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location and risk profile, instead of using average rates.

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

Rate Comparisons

The chart below illustrates average Audi A4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $880
• Drivers who choose higher $1,000 deductibles will pay $1,326 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,554
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $446 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $3,372
• Policy cost for full coverage for a teen driver can cost $5,696 a year

View Chart as Image

Auto insurance rates for an Audi A4 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,600 a year. View Rates by Age

Your home state makes a big difference in Audi A4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,100 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $680 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,500 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 129% more than a normal policy. View High Risk Driver Rates

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 More Affordable Audi A4 Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and claims, but also having good credit, being claim-free, and possibly higher deductibles. Make time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a summary of the ideas that were touched on in this article.

• Drivers under the age of 20 have the highest car insurance rates, possibly costing $475 each month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $1,820 more per year to insure an Audi A4
• Increasing comprehensive and collision deductibles can save around $675 each year
• It is possible to save around $190 per year just by quoting early and online

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