Audi A4 Insurance Rates [List of Money Saving Tips]
Average Audi A4 insurance rates cost $129 per month ($1,544 per year). On average, Audi A4 comprehensive insurance coverage costs $376, collision coverage costs $549, and liability coverage costs $436.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jul 16, 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. 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.
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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 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 |
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 |
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 | |
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
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 | |
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.
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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 | |||
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.