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.

U.S. average insurance rates for an Audi A4 are $1,554 a year for full coverage. Comprehensive insurance costs around $346 each year, collision insurance costs $660, and liability costs $390. A policy with just liability insurance costs as little as $452 a year, and coverage for high-risk drivers costs $3,372 or more. 16-year-old drivers pay the highest rates at up to $5,696 a year.

Average premium for full coverage: $1,554

Price estimates for individual coverage:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and A4 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.

The ranges above show why all drivers should compare rates for a specific zip code, instead of making a decision based on rate averages.

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

Additional Charts and Tables

The chart below shows average Audi A4 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $880
• Drivers who choose higher $1,000 deductibles will pay about $228 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,554
• Buying low deductibles for comprehensive and collision insurance will cost an additional $446 annually
• Drivers with multiple tickets or accidents could pay at least $3,372
• The price that insures a 16-year-old driver can be $5,696 a year

View Chart as Image

Insurance prices for an Audi A4 are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,800 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can cost from 44% to 129% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,600 a year. View Rates by Age

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

View Chart as Image

Opting for high physical damage deductibles could save up to $680 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $351 more per 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 the Best Audi A4 Insurance

Getting lower rates on insurance for an Audi A4 not only requires being a good driver, but also having above-average credit, eliminating unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at least once a year by quoting rates from direct carriers, and also from several local insurance agents.

The following list is a brief recap of the primary concepts that were illustrated above.

• Drivers can save up to $190 per year just by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations pay on average $1,820 more every year than a safer driver
• Increasing physical damage deductibles can save approximately $675 each year
• Drivers age 16 to 20 pay higher prices, with premiums as much as $475 a month if full coverage is included

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