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Audi A4 Insurance Quotes [Comprehensive Guide]

Audi A4 insurance costs $1,544 a year, or around $129 a month. This is $25 more per year than the average vehicle. A liability-only policy costs around $619 a year or $52 each month. Good drivers can save up to $637 on these costs by earning policy discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 28, 2020

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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 about $25 more per year than the average vehicle with full coverage costing around $1,544 a year or $129 a month. Drivers of an older Audi A4 may choose to get liability coverage only which costs around $619 a year or $52 a month.

Good drivers can save up to $637 a year in policy discounts. Let’s take a closer look at Audi A4 insurance rates, crash test 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 car 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, Audi S7, and Audi S8.

Vehicle Comprehensive Collision Liability Total
Audi A4 $332 $656 $398 $1,544
Infiniti Q70 $370 $774 $338 $1,618
Audi S7 $532 $1,250 $398 $2,338
Audi S8 $658 $1,368 $398 $2,582
Porsche Panamera $520 $1,042 $398 $2,118
Jaguar XE $382 $774 $398 $1,712
Volvo S90 $356 $714 $398 $1,626

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 insurance coverage.

Age of the Vehicle

Older Audi A4 models generally cost less to insure. For example, car insurance for a 2018 Audi A4 costs $1,544, while 2010 Audi A4 insurance costs 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 Audi A4 auto insurance rates. For example, 20-year-old drivers pay approximately $1,888 more 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 $571 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Audi A4 car insurance. Teens and drivers in their 20’s see the highest jump in their Audi A4 car insurance rates with violations on their driving record.

Audi A4 Safety Ratings

Your Audi A4 auto insurance rates are influenced by the Audi A4’s safety ratings. 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

The crash test ratings of the Audi A4 can impact your 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

Audi A4 safety features can lower the cost of your insurance. The safety features for the 2020 Audi A4 include:

  • 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 lower percentage means lower Audi A4 auto insurance rates; higher percentages mean higher Audi A4 car insurance rates. The Audi A4’s insurance loss probability varies for each form of coverage.

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

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. Take a look at the following five ways to save on Audi A4 auto insurance.

  • Ask for a Higher Deductible for Your Audi A4 Insurance Policy
  • Get Cheaper Audi A4 Car Insurance Rates as a Full-Time Parent
  • Tell Your Insurer How You Use Your Audi A4
  • Never Drink and Drive Your Audi A4
  • Ask About Seasonal Insurance for Your Audi A4

Top Audi A4 Insurance Companies

Who is the top auto insurance 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 auto 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

To start comparing Audi A4 car insurance quotes for free, use our online car insurance comparison tool.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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