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Audi A4 Insurance Rates [List of Money Saving Tips]

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. Good drivers can save up to $637 a year in policy discounts by practicing safe driving habits. 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.

Table of Contents

Audi A4 Insurance Cost

The average Audi A4 car insurance rates are $1,544 a year or $129 a month.

Are Audi A4s Expensive to Insure?

The chart below details how Audi A4 insurance rates compare to other luxury cars like the Audi S7, Lexus IS 300, and Chevrolet Corvette.

Vehicle Comprehensive Collision Liability Total
Audi A4 $332 $656 $398 $1,544
Audi S7 $532 $1,250 $398 $2,338
Lexus IS 300 $356 $686 $398 $1,598
Chevrolet Corvette $494 $922 $264 $1,790
Volvo S60 $332 $656 $398 $1,544
Audi S8 $658 $1,368 $398 $2,582
Lexus IS 350 $344 $686 $398 $1,586
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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 car insurance coverage.

Age of the Vehicle

The average Audi A4 car insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant effect on Audi A4 car insurance rates. As an example, a 30-year-old driver pays around $68 more each year for their Audi A4 car insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Audi A4 insurance rates. For example, drivers in Houston may pay $1,137 a year more than drivers in Columbus.

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

The Audi A4’s safety ratings will affect your Audi A4 car insurance rates. See the chart 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
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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
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Audi A4 Safety Features

The Audi A4 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Audi A4 auto insurance rates. The Audi A4’s safety features 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 car insurance costs; higher percentages mean higher Audi A4 car insurance costs. Compare the following Audi A4 auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.

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
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Audi A4 Finance and Insurance Cost

When financing a Audi A4, most lenders will require your carry higher Audi A4 coverage options including comprehensive coverage, so be sure to shop around and compare Audi A4 car insurance rates from the best companies using our FREE tool below.

Ways to Save on Audi A4 Insurance

You can save more money on your Audi A4 auto insurance rates by employing any of the following five strategies.

  • Wait Six Years for Accidents to Disappear from Your Record
  • Buy a Dashcam for Your Audi A4
  • Ask Your Insurance Company About Audi A4 Discounts
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Understand that Your Insurer Can Change Your Audi A4 Auto Insurance Rates Mid-Term for Other Reasons

Top Audi A4 Insurance Companies

The best auto insurance companies for Audi A4 car insurance rates will offer competitive rates, discounts, and account for the Audi A4’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

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
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Compare Free Audi A4 Insurance Quotes Online

You can start comparing quotes for Audi A4 insurance from some of the top car insurance companies by using our free online tool today.

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