Online Audi A4 Insurance Rates [List of Money Saving Tips]

Auto insurance rates for an Audi A4 average $1,544 a year, or around $129 a month. Shop around to find cheap Audi A4 insurance rates. On average, Audi A4 comprehensive insurance coverage costs $376, collision coverage costs $549, and liability coverage costs $436.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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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

Audis can be expensive to insure, but Audi A4 insurance rates don’t need to be costly. Good drivers can save as much as $637 a year by earning policy discounts. Our guide goes over other ways drivers can save on Audi A4 insurance rates, so read on.

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 rates 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 Cadillac CTS-V, Cadillac CT6, and Mercedes-Benz E300.

Vehicle Comprehensive Collision Liability Total
Audi A4 $332 $656 $398 $1,544
Cadillac CTS-V $406 $804 $338 $1,684
Cadillac CT6 $382 $774 $398 $1,712
Mercedes-Benz E300 $394 $744 $338 $1,612
Acura TLX $332 $686 $398 $1,574
Jaguar XE $382 $774 $398 $1,712
Porsche Panamera $520 $1042 $398 $2,118
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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 will affect 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, auto 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
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Driver Age

Driver age can have a significant effect on the cost of Audi A4 car insurance. For example, a 20-year-old driver could pay around $157 more each month for their Audi A4 car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Audi A4 insurance rates. For example, drivers in New York may pay $942 a year more than drivers in Seattle.

Your Driving Record

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

Audi A4 Safety Ratings

Your Audi A4 car insurance rates are influenced by 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
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Audi A4 Crash Test Ratings

Audi A4 crash test ratings can impact the cost of your Audi A4 car insurance. See Audi A4 crash test results below:

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 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 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
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Audi A4 Finance and Insurance Cost

If you are financing an Audi A4, you will pay more if you purchase Audi A4 auto insurance at the dealership, so be sure to shop around and compare Audi A4 auto 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. Below are five actions you can take to find cheap Audi A4 auto insurance rates.

  • Ask About Student Discounts
  • Check the Odometer on Your Audi A4
  • Reduce Modifications on Your Audi A4
  • Pay Your Bills On Time — Especially Audi A4 Payments and Insurance
  • Use an Accurate Job Title When Requesting Audi A4 Auto Insurance

Top Audi A4 Insurance Companies

Who is the top car 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
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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.

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