Compare Audi A4 Car Insurance Rates [2024]
The cost of Audi A4 auto insurance rates are $1,544 a year, or around $129 a month on average. Teens pay the highest rates at up to $5,643 a year, while good drivers may only pay $907.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Key takeaways:
- Full coverage costs around $1,544 a year or $129 each month
- A liability-only policy costs around $619 a year or $52 each month
- Highest rates are for teenage drivers at around $5,643 a year or $470 each month
- Good drivers can save as much as $637 a year by earning policy discounts
- Audi A4 insurance costs around $25 more per year than the average vehicle
Audi A4 insurance rates are slightly more than the average vehicle with full coverage costing around $1,544 a year or $129 a month. Owners of an older Audi A4 may choose to get liability coverage only which averages $619 a year or $52 a month.
Good drivers can save as much as $637 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Audi A4 insurance rates, safety ratings, and more.
You can start comparing quotes for Audi A4 car insurance rates from some of the best car insurance companies by using our free online tool now.
Audi A4 Insurance Cost
The average Audi A4 auto insurance costs are $1,544 a year or $129 a month.
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Are Audi A4s Expensive to Insure?
The chart below details how Audi A4 insurance rates compare to other luxury cars like the Infiniti Q70, Mercedes-Benz S450, and Porsche Panamera.
Read more: Compare Porsche Car Insurance Rates
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi A4 | $332 | $656 | $398 | $1,544 |
| Infiniti Q70 | $370 | $774 | $338 | $1,618 |
| Mercedes-Benz S450 | $494 | $982 | $398 | $2,032 |
| Porsche Panamera | $520 | $1,042 | $398 | $2,118 |
| Lexus ES 350 | $362 | $656 | $316 | $1,470 |
| Audi A8 | $464 | $900 | $390 | $1,912 |
| Mercedes-Benz E300 | $394 | $744 | $338 | $1,612 |
However, there are a few things you can do to find the cheapest Audi insurance rates online.
What Impacts the Cost of Audi A4 Insurance?
The Audi A4 trim and model you choose can impact the total price you will pay for Audi A4 auto insurance coverage.
Age of the Vehicle
The average Audi A4 car insurance rates are higher for newer models. For example, car insurance rates for a 2018 Audi A4 are $1,544, while 2010 Audi A4 rates are $1,256, a difference of $288.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Audi A4 | $332 | $656 | $398 | $1,544 |
| 2017 Audi A4 | $320 | $640 | $416 | $1,534 |
| 2016 Audi A4 | $310 | $612 | $430 | $1,510 |
| 2015 Audi A4 | $292 | $592 | $442 | $1,484 |
| 2014 Audi A4 | $282 | $548 | $452 | $1,440 |
| 2013 Audi A4 | $270 | $516 | $456 | $1,400 |
| 2012 Audi A4 | $258 | $464 | $460 | $1,340 |
| 2011 Audi A4 | $242 | $426 | $460 | $1,286 |
| 2010 Audi A4 | $234 | $400 | $464 | $1,256 |
Driver Age
Driver age can have a significant impact on the cost of Audi A4 auto insurance. For example, 20-year-old drivers pay approximately $1,888 each year for their Audi A4 auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Audi A4 insurance rates. For example, drivers in Los Angeles may pay $1,328 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Audi A4 auto insurance. Teens and drivers in their 20’s see the highest jump in their Audi A4 auto insurance rates with violations on their driving record.
Audi A4 Safety Ratings
Your Audi A4 car insurance rates are tied to the safety ratings of the Audi A4. See the breakdown below:
| Test Type | Rating |
| 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 |
| Source: Insurance Institute for Highway Safety | |
Audi A4 Crash Test Ratings
Good Audi A4 crash test ratings mean the VW is safer, which could mean cheaper Audi A4 car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Audi A4 allroad SW AWD | N/R | N/R | 5 stars | N/R |
| 2020 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2020 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2019 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2019 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2018 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2018 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Audi A4 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Audi A4 4 DR AWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2016 Audi A4 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Audi A4 4 DR AWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Audi A4 Safety Features
The safety features of the Audi A4 can impact your Audi A4 car insurance rates. The Audi A4 has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Auto-Leveling Headlights
- Cross-Traffic Alert
Audi A4 Insurance Loss Probability
The Audi A4’s insurance loss probability varies for each form of coverage. The lower percentage means lower Audi A4 auto insurance rates; higher percentages mean higher Audi A4 car insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | 79% |
|---|---|
| Property Damage | 7% |
| Comprehensive | 3% |
| Personal Injury | -20% |
| Medical Payment | 12% |
| Bodily Injury | 0% |
| Source: Insurance Institute for Highway Safety | |
Audi A4 Finance and Insurance Cost
If you are financing a Audi A4, you will pay more if you purchase Audi A4 car insurance at the dealership, so be sure to shop around and compare Audi A4 car insurance quotes from the best companies using our FREE tool below.
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Ways to Save on Audi A4 Insurance
There are many ways that you can save on Audi A4 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Audi A4 car insurance rates low.
- Ask for a New Audi A4 Auto Insurance Rate Based on Your Improved Credit Score
- Consider Renting a Car Instead of Buying a Second Audi A4
- Understand that Your Insurer Can Change Your Audi A4 Auto Insurance Rates Mid-Term for Other Reasons
- Spy on Your Teen Driver
- Ask About a Student Away from Home Discount
Top Audi A4 Insurance Companies
Who is the best company for Audi A4 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Audi A4 insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Audi A4 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Audi A4 Insurance Quotes Online
You can start comparing quotes for Audi A4 car insurance rates from some of the best car insurance companies by using our free online tool now.
- The safety features of the Audi A4 help offset the high cost of insurance based on the vehicle’s MSRP
- Consider different deductible amounts and decide which one works best with your situation
- The average Audi A4 car insurance rates are $125/mo.
- Compare insurance rates online with a quote tool so you can save time and see many companies’ rates at once
Audi A4 car insurance rates vary greatly between different individuals, and the rate you are offered by different companies can vary greatly as well.
The Audi A4 is part of a lineup of cars that is known for their performance capabilities, luxury, and all around quality of engineering.
To ensure that you get the lowest rate possible when insuring an Audi A4, you will have to shop around getting quotes from as many providers as you can.
Each company has a different method of calculating the risk of insuring someone and weigh different aspects of a person’s driving habits and history accordingly.
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What are the safety features of the Audi A4?
- Tire Pressure Monitors
- Electronic Stability Control
- Four Wheel Anti-Lock Brakes
- Traction Control
- Child Seat Lowering Anchors
- Airbags (front, side, head, side head curtain)
- Daytime Running Lights
- Adjustable Seat Belt Heights With Tensioners
The Audi A4 insurance costs should be relatively fair considering that these vehicles come with a plethora of safety features. Depending on the individual insurance company, the actual influence these features will have on your rate will vary.
Some providers give up front discounts that lower your policy rate right from the start, while others may not offer any discount at all for certain features. Comparing multiple quotes will be the only way to ensure you get the best deal on your A4 auto insurance.
Audi A4 Government Crash Test Ratings
The general safety a vehicle is able to afford its passenger is of the utmost importance when insurance companies are trying to determine the risk involved to insure a particular driver and vehicle.
In government crash tests the A4 scored a perfect five stars for frontal impacts concerning both the driver and front passenger.
Side impact tests also received a perfect five-star rating. Since the vehicle has been proven to fair very well in crash tests, it is reasonable to assume that rates should remain in the fair range for Audi A4 insurance costs.
What Are Some Tips For Getting The Lowest Insurance Rate Possible?
While the average American pays $880 a year for auto insurance, the high value of a new Audi A4 means that you can expect to pay more than that.
How much more is hard to know until you get an actual rate, but you should assume it will at least cost around $1,500 if not a lot more depending on how the insurance companies view you specifically as a risk to ensure.
Here are some tips to keep your rate low:
- Insurance providers consider issues like your credit history and claim history when determining what rate they will actually charge you. Having a good credit score won’t just help you get a credit card, it can seriously reduce your insurance premium as well.
- An extensive claims history will also be detrimental to keeping your rates low because providers view a lot of previous claims as making you a higher insurance risk.
- Consider getting a higher deductible which will help lower your Audi A4 car insurance costs, but could cost more if you actually need insurance.
- Some states also have special low-cost insurance programs for qualified drivers.
- How much you drive will be considered as well, and limiting unnecessary driving will help lower your rate.
The only way to make sure you get the best Audi A4 auto insurance rate is to compare prices for as many competitors as possible.
So how much is insurance for an Audi? Enter your ZIP code below to start comparing FREE car insurance quotes online now!
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Frequently Asked Questions
What are the average Audi A4 auto insurance costs?
The average Audi A4 auto insurance costs are $1,544 a year or $129 a month.
How much do teens pay for Audi A4 auto insurance?
Teens pay the highest rates at up to $5,643 a year for Audi A4 auto insurance.
How much do good drivers pay for Audi A4 auto insurance?
Good drivers may only pay $907 a year for Audi A4 auto insurance.
Are Audi A4s expensive to insure?
Audi A4 insurance rates are slightly higher than the average vehicle. However, there are ways to find the cheapest Audi insurance rates online.
What factors impact the cost of Audi A4 insurance?
The Audi A4 trim and model, age of the vehicle, driver age, driver location, and driving record can impact the cost of Audi A4 auto insurance.
Do I need full coverage insurance if my car is financed?
If your car is financed, the lender may require you to have full coverage insurance. Full coverage insurance typically includes comprehensive and collision coverage in addition to the minimum liability coverage required by the state.
How do age, gender, and marital status affect car insurance rates?
Different car insurance companies weigh age, gender, and marital status factors differently, so their impact on rates can vary. Generally, younger drivers, male drivers, and unmarried drivers may have higher insurance rates compared to older, female, and married drivers.
How can I find cheap car insurance rates?
To find cheap car insurance rates, you can compare quotes from the top car insurance companies in the area. By comparing quotes, you can find the best rates for your specific needs.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.