Audi A4 Auto Insurance [Guide + Free Quotes]

Average Audi A4 car insurance costs at $129 a month, but Audi A4 insurance for a 16-year-old can cost $470 per month. Start comparing Audi A4 insurance quotes online now with our tool to find the cheapest Audi A4 insurance coverage in your area. We compare Audi A4 insurance rates by age in this guide so you can find the best Audi A4 auto insurance policy for your budget.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 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. Full coverage costs around $1,544 a year or $129 a month, but drivers of an older Audi A4 may opt for liability-only coverage which costs around $619 a year or $52 a month.

Good drivers can save up to $637 in policy discounts by being a safe driver. We’re going to take a quick 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 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 Volvo S60, Chevrolet Corvette, and Jaguar XF.

Vehicle Comprehensive Collision Liability Total
Audi A4 $332 $656 $398 $1,544
Volvo S60 $332 $656 $398 $1,544
Chevrolet Corvette $494 $922 $264 $1,790
Jaguar XF $406 $804 $398 $1,766
Jaguar XE $382 $774 $398 $1,712
Infiniti Q70 $370 $774 $338 $1,618
Volvo S90 $356 $714 $398 $1,626
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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 insurance coverage.

Age of the Vehicle

Older Audi A4 models generally cost less to insure. For example, auto 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 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 New York may pay $942 a year more than drivers in Seattle.

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 auto insurance rates with violations on their driving record.

Audi A4 Safety Ratings

The Audi A4’s safety ratings will affect your Audi A4 auto 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

Not only do good Audi A4 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Audi A4 auto 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 more safety features you have on your Audi A4, the more likely it is that you can earn a discount. 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

Another contributing factor that affects Audi A4 car insurance rates is the loss probability for each type 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 a 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 several ways you can save even more on your Audi A4 car insurance rates. Take a look at the following five tips:

  • Get Married and Ask for a Discount
  • Tell Your Insurer How You Use Your Audi A4
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Understand the Different Types of Auto Insurance for Your Audi A4
  • Audit Your Audi A4 Driving When You Move to a New Location or Start a New Job

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 insurance from some of the top car insurance companies by using our free online tool today.

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Compare over 200 auto insurance companies at once!

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