Audi A4 Insurance Quotes [Comprehensive Guide]
Are you looking for affordable Audi A4 insurance quotes? On average, it costs $129/mo or $1,544 annually to insure an Audi A4. That’s $25 more per year than the average vehicle. However, safe drivers can save up to $637 per year on car insurance. To help lower your rates even more, remember to ask about various car insurance discounts your Audi A4 might qualify for. Keep reading to learn how the age and trim level of your Audi A4, the state you live in, your age, and your driving record all impact your Audi A4 insurance rates.
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UPDATED: Nov 9, 2020
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- The average cost to insure an Audi A4 is $129 per month or $1,544 annually.
- A liability-only policy for an older Audi A4 costs around $52 each month or $619 per year.
- Teenagers will receive the highest rates at around $470 per month or $5,643 annually.
- Good drivers can save as much as $637 a year on Audi A4 car insurance by earning policy discounts.
- On average, Audi A4 insurance costs are around $25 more per year than the average vehicle.
Are you looking for cheap Audi A4 auto insurance rates? You’ve come to the right place. Average Audi A4 insurance quotes are $129 per month or $1,544 annually. That’s about $25 more per year than the average vehicle. However, many factors go into our Audi A4 auto insurance premium, including the age of your model, the trim level you chose, and even the state you live in.
For example, drivers of an older Audi A4 may choose to get a basic liability policy, which can cost as low as $52 per month or $619 a year for some drivers. Good drivers can save an additional $637 a year in policy discounts.
Read through our complete Audi A4 guide and learn how you can compare car insurance rates to secure your best Audi A4 insurance policy. Let’s take a closer look at Audi A4 insurance rates, crash test ratings, and more.
Can’t wait to get started? You can compare Audi A4 car insurance rates from some of the best car insurance companies right now by entering your five-digit ZIP code into our FREE online tool above.
Audi A4 Car Insurance Costs
Let’s start by comparing the average Audi A4 insurance costs. Using national data, we found that the Audi A4 car insurance costs are $129 per month or $1,544 annually on average. However, think of this number as only a guideline. Your individual rate will vary depending on a few unique factors.
For example, the level of coverage you choose can cause your premium to increase or decrease. In a similar vein, some drivers are eligible for more discounts than others. Your age will also affect your total costs.
See what we mean in the graph below, which shows average annual Audi A4 insurance rates.
If you own an Audi A4 or are considering purchasing one, try to take advantage of as many car insurance discounts as possible. Compare Audi A4 quotes from multiple companies to see which provider can offer you the best rates without compromising your coverage needs.
Keep reading to learn what else impacts your Audi A4 insurance costs, and what you can do about it.
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Are Audi A4s expensive to insure?
Car insurance for the Audi A4 may feel like it’s high, but the costs are only $25 higher than the average vehicle. Especially for a luxury car, the Audi A4 rates are actually very competitive.
To help you get a better idea of how the Audi A4 rates compare to similar vehicles, we’ve gathered the average car insurance rates for a few other makes and models that are in the same vehicle class.
Take a look at the data in the table below, which details how Audi A4 insurance rates compare to other luxury cars, including the Infiniti Q70, the Audi S7, and the Audi S8.
Average Annual Audi A4 Auto Insurance Rates Compared to Similar Vehicles
|Vehicle Make and Model||Average Annual Comprehensive Coverage Car Insurance Rate||Average Annual Collision Coverage Car Insurance Rate||Average Annual Liability Coverage Car Insurance Rate||Average Annual Full Coverage Car Insurance Rate|
As you can see from the rates above, the Audi A4 is cheaper to insure than every other luxury vehicle in the data set.
However, if your budget is still a concern for you, there are a few things you can do to find the cheapest Audi insurance rates online. Picking the right Audi A4 model year and trim level is a great place to start, which we cover in the next section.
What impacts the cost of Audi A4 car insurance?
The type of vehicle you drive matters to insurance providers, which is why some cars cost more to insure than others. Typically, vehicles that are affordable to repair or replace and that have great crash tests and safety ratings receive the lowest premiums.
Oppositely, expensive cars that are more likely to get stolen and that cost a substantial amount to maintain usually receive the highest rates. Cars that tempt the driver to make reckless choices, like sportscars, also receive pricier car insurance totals.
The trim and model year you choose will also impact the total price you’ll pay for Audi A4 insurance coverage. However, driver demographics, like your age, the state you live in, and your driving record, will inevitably impact your personal premiums.
We’ll cover all of this and more in detail to help you better understand your Audi A4 rates.
The Age of Your Audi A4 and Your Car Insurance Rates
If you’ve seen a used Audi A4 for sale and thought about buying it, you may wonder how the car’s model year may affect insurance cost. How do 2007 Audi A4 insurance costs compare with a 2013 Audi A4 insurance costs.
The age of your Audi A4 model will change the rate you pay for car insurance. Generally, older Audi A4 models cost less to insure than newer models.
See what we mean in the table below, which compares average annual auto insurance rates for different coverage levels by model year.
|Audi A4 Model Year||Average Annual Comprehensive Coverage Car Insurance Rate||Average Annual Collision Coverage Car Insurance Rate||Average Annual Liability Coverage Car Insurance Rate||Average Annual Full Coverage Car Insurance Rate|
|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|
As you can see, full coverage car insurance for a 2018 Audi A4 costs $1,544 per year, while the 2010 Audi A4 insurance costs are $1,256 annually, a difference of $288 in total.
Rates for older models, such as 2014 Audi A4 insurance costs, are less expensive to insure because in the event a claim is filed, older vehicles typically cost less to fix and replace. On the other hand, new models tend to have more technical features that can be expensive for providers to repair if they get damaged.
However, newer Audi A4s might have safety features and anti-theft devices installed in them that can lead you to car insurance discounts. Be sure to ask your provider what your model year is eligible for so you can take advantage of the additional savings.
How Your Driver Age Impacts Your Audi A4 Car Insurance Rates
Even though your age has nothing to do with your car model, it will still greatly impact your Audi A4 insurance costs. This is because insurance providers equate age to driving experience. More experienced drivers are less likely to get into accidents and file claims. Even the few years between Audi A4 insurance for 16-year-old and Audi A4 insurance for 18-year-old can have an impact.
In the graph below, compare the average annual auto insurance rates for an Audi A4 by different age groups.
As you can see from the data, the effect of age on your Audi A4 insurance costs can sometimes be significant. For example, 20-year-old drivers pay approximately $1,888 more each year for their Audi A4 auto insurance than 30-year-old drivers.
The best provider for a teenage driver who owns an Audi A4 will, therefore, be different from the best auto insurance for seniors.
If you’re a younger Audi A4 driver, ask about good student discounts or safe driver discounts. These programs will help lower your higher than average costs. Fortunately, once you turn 25, you’ll see a significant decrease in your Audi A4 auto insurance rates.
How Your Driver Location Impacts Your Audi A4 Car Insurance Rates
Similar to age, where you live will also have a large impact on your Audi A4 insurance rates. Think about it, where you park your car at night matters.
If you live in a densely populated city with high auto theft rates, you’re more likely to get into an accident or have your vehicle stolen. To mitigate that risk, insurance providers will increase your premiums.
Take a look at the graph below to compare average annual car insurance rates by major American cities.
As you can see, drivers in Los Angeles, one of the largest cities in the country, pay approximately $571 more per year for car insurance than drivers in Philadelphia, a slightly smaller metropolitan area.
Each state has different car insurance laws that can also impact your premiums. For example, some states have banned insurance providers from using your gender, credit history, and education levels when calculating your rates.
The minimum level of car insurance required by law also changes by state. Therefore, your driver location is a major factor that will impact your Audi A4 insurance costs.
How Your Driving Record Impacts Your Audi A4 Car Insurance Rate
Your driving record will also have an impact on the cost of your Audi A4 car insurance. Luckily, this is something you have some control over.
Safe drivers with a clean driving record always receive the lowest car insurance rates. High-risk drivers who have many violations or accidents on their record will receive the highest rates.
In the graph below, you can clearly see how different traffic violations will affect your annual Audi A4 car insurance costs depending on your age.
Teens and drivers in their 20s see the highest jump in their Audi A4 car insurance rates with violations on their driving record. If you commit too many driving violations, some major providers might refuse to insure you altogether.
You can qualify for some great safe driver discounts by going a long time without filing any claims. All in all, safe driving not only saves lives, but it also saves you money.
Audi A4 Safety Ratings and the Impact on Your Car Insurance Rates
If you drive an Audi A4, your car insurance rates are influenced by the Audi A4’s safety ratings. Safer cars present less risk on the roads and insurance rates are based on your perceived level of risk.
Therefore, better safety ratings will mean lower insurance rates. See how the Insurance Institute for Highway Safety (IIHS) rated the 2020 Audi A4 in the table below. Keep in mind that a rating of ‘Good’ is the highest possible score given by the IIHS.
|Safety Test Type||Rating|
|Small overlap front: driver-side||Good|
|Small overlap front: passenger-side||Good|
|Moderate overlap front||Good|
|Head restraints and seats||Good|
Overall, the Audi A4 safety ratings are impressive. These great safety scores are likely one of the reasons why the Audi A4 costs less to insure on average than similar luxury vehicles in the same car class.
Audi A4 Crash Test Ratings and the Impact on Your Car Insurance Rates
Similar to safety ratings, crash test results also heavily influence your Audi A4 insurance premiums. In particular, poor crash-test results can lead to higher than average collision coverage rates.
Find out how different Audi A4 models performed in crash tests run by the National Highway Traffic Safety Administration (NHTSA) in the table below. Keep in mind that a 5-star rating is the best possible score given by the NHTSA.
|Audi A4 Model Year and Trim Level 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|
You might have noticed that not all Audi A4 model years received the same crash test results. For example, the 2016 Audi A4 received 5-stars across the board, but the 2017 through 2020 models only earned 4 stars during the frontal crash tests.
Watch the video for the 2017 Audi A4 crash test below.
We always recommend looking at the crash test results for your specific Audi A4 model and trim level. This ensures you’re seeing the most accurate scores.
How the Audi A4 Safety Features Affect Your Car Insurance Rates
Did you know you can qualify for different car insurance discounts if our vehicle has certain safety features? The same thing goes for any anti-theft devices you’ve installed.
Fortunately, the Audi A4 comes equipped with many wonderful safety options. These features will help keep you and your family safe and can help reduce your overall auto insurance rates.
The safety features for the 2020 Audi A4 include the following:
- Driver airbag
- Passenger airbag
- Front head airbag
- Rear head airbag
- Front side airbag
- Rear side airbag
- 4-wheel ABS
- 4-wheel disc brakes
- Brake assist
- Electronic stability control
- Daytime running lights
- Child safety locks
- Integrated turn signal mirrors
- Traction control
- Blindspot monitor
- Auto-leveling headlights
- Cross-traffic alert
Be sure you ask your provider about what discounts these different safety features qualify for. Some providers offer discounts that are not advertised online or in commercials.
How the Audi A4 Insurance Loss Probability Affects Your Car Insurance Rates
A number that can impact your car insurance rates that many consumers often do not look at is the insurance loss probability of your vehicle make and model.
A lower percentage will lead to lower Audi A4 insurance rates. However, higher percentages mean higher Audi A4 insurance premiums.
Check out the Audi A4 insurance loss probability details in the table below.
|Insurance Coverage Category||Loss Rate|
As you can see, the Audi A4’s insurance loss probability varies for each form of coverage. For the most part, the loss ratios for the Audi A4 fall within the average range.
However, the collision ratio is substantially worse than average. This means Audi A4 collision insurance costs are likely to also be higher than average.
Fortunately, the personal injury loss ratio is substantially better than average for the Audi A4. This means more competitive personal injury coverage rates.
Financing an Audi A4 and Car Insurance Costs
If you are financing your Audi A4, the dealership might require you to purchase a fuller coverage car insurance policy for the duration of your loan. The additional coverages usually include collision and comprehensive coverage, as well as GAP insurance.
Collision coverage protects your vehicle from damage caused while your Audi A4 is in motion. This includes getting hit by another vehicle, or hitting a stagnant object, like a telephone pole or tree.
Comprehensive coverage protects your vehicle from damage caused while you Audi A4 is not in motion. This includes weather or animal-related damage, damage from fires, flooding, vandalism, and vehicle theft.
Both comprehensive and collision insurance have deductibles associated with them.
GAP insurance stands for guaranteed asset protection. If you total your Audi A4 but you still owe money on your auto loan, you are still required to pay it off, even if the vehicle is not recoverable. This is where GAP coverage comes into play.
If there is a gap between what you still owe on your auto loan and the actual cash value of your vehicle, your GAP policy will help pay for that difference so you don’t have to pay entirely out of pocket.
The dealership might offer your car insurance coverage, specifically GAP insurance, through the finance department. However, you will pay substantially more if you purchase car insurance through a dealership as opposed to an actual car insurance provider.
We recommend you shop around and compare Audi A4 car insurance quotes from the best companies before signing your name on any dotted lines. You can use one of our FREE quote tools to get started.
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Ways to Save on Audi A4 Car Insurance
Although it may seem like your Audi A4 car insurance rates are set, there are a few measures that you can take to secure the best Audi A4 car insurance rates possible.
First, if you need collision and comprehensive coverage, ask for a higher deductible for your Audi A4 insurance policy. This will lower your total monthly premium.
You should also inform your insurer about how you plan to use your Audi A4. If you prove you do not drive during peak rush hour traffic, when accidents are most likely to happen, it can lead to lower overall rates.
Always practice safe driving techniques, and never drink and drink in your Audi A4. Maintaining a clean driving record is the best way to keep your car insurance rates low. You’ll also be eligible for safe driver discounts.
If you currently have only one or two minor violations on your record, consider asking your provider about any accident forgiveness programs.
Finally, save money by comparing Audi A4 quotes from multiple different companies before making your choice. By comparing policies from various providers, you’ll be able to see which company is most compatible with you and your needs.
Top Audi A4 Car Insurance Companies
Who is the top auto insurance company for Audi A4 insurance rates? The actual rates you pay will depend on many factors. It’s always a safe bet to purchase insurance from one of the top providers in the nation.
By purchasing insurance through a car insurance company that holds a substantial percentage of the market share, you can trust that provider is in good financial standing.
This is important because you want to be certain that your provider can pay out any claims, even in the event of an economic downturn.
In the table below, take a look at the top car insurance companies ordered by market share that offer coverage for the Audi A4.
Many of these companies offer discounts for security systems and other safety features that the Audi A4 offers.
Be sure to compare rates from more than one of these providers. That way you’ll know with certainty that you’re receiving your best rates.
See more details about the market share percentages of the leading car insurance companies in the graph below.
There are so many variables involved in determining your Audi A4 car insurance quotes. Therefore, the best company for you will likely be different than the best company for your neighbor.
Remember to also look at customer service and claims reviews for the providers you are most interested in. Cheap rates are great. But you don’t want to get stuck with a company that’s unresponsive when you need to file a claim.
You are now an expert on securing affordable Audi A4 car insurance. Refer back to this guide as much as needed while you comparison shop for your best Audi A4 rates.
Before you buy Audi A4 car insurance, make sure to compare quotes. With a little research, you can find an affordable Audi A4 car insurance company.
There’s no need to wait. Start comparing Audi A4 insurance quotes right now by entering your five-digit ZIP code into our FREE online car insurance comparison tool below.