Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 6, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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

Good drivers can save as much as $637 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Audi A4 insurance rates, safety 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 auto 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, Mercedes-Benz S450, and Porsche Panamera.

Vehicle Comprehensive Collision Liability Total
Audi A4 $332 $656 $398 $1,544
Infiniti Q70 $370 $774 $338 $1,618
Mercedes-Benz S450 $494 $982 $398 $2,032
Porsche Panamera $520 $1,042 $398 $2,118
Lexus ES 350 $362 $656 $316 $1,470
Audi A8 $464 $900 $390 $1,912
Mercedes-Benz E300 $394 $744 $338 $1,612
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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 auto insurance coverage.

Age of the Vehicle

The average Audi A4 car insurance rates are higher for newer models. For example, car 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 impact on the cost of Audi A4 auto insurance. For example, 20-year-old drivers pay approximately $1,888 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 $1,328 a year more than drivers in Indianapolis.

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

Your Audi A4 car insurance rates are tied to 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

Good Audi A4 crash test ratings mean the VW is safer, which could mean cheaper 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 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 Audi A4’s insurance loss probability varies for each form of coverage. The lower percentage means lower Audi A4 auto insurance rates; higher percentages mean higher Audi A4 car insurance rates.

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 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

There are many ways that you can save on Audi A4 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Audi A4 car insurance rates low.

  • Ask for a New Audi A4 Auto Insurance Rate Based on Your Improved Credit Score
  • Consider Renting a Car Instead of Buying a Second Audi A4
  • Understand that Your Insurer Can Change Your Audi A4 Auto Insurance Rates Mid-Term for Other Reasons
  • Spy on Your Teen Driver
  • Ask About a Student Away from Home Discount

Top Audi A4 Insurance Companies

Who is the best 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 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.

Here's what you need to know...

  • The safety features of the Audi A4 help offset the high cost of insurance based on the vehicle’s MSRP
  • Consider different deductible amounts and decide which one works best with your situation
  • The average Audi A4 car insurance rates are $125/mo.
  • Compare insurance rates online with a quote tool so you can save time and see many companies’ rates at once


Audi A4 car insurance rates vary greatly between different individuals, and the rate you are offered by different companies can vary greatly as well.

The Audi A4 is part of a lineup of cars that is known for their performance capabilities, luxury, and all around quality of engineering.

To ensure that you get the lowest rate possible when insuring an Audi A4, you will have to shop around getting quotes from as many providers as you can.

Each company has a different method of calculating the risk of insuring someone and weigh different aspects of a person’s driving habits and history accordingly.

Enter your ZIP code in the rate tool above to start comparing FREE car insurance quotes!

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What are the safety features of the Audi A4?

  1. Tire Pressure Monitors
  2. Electronic Stability Control
  3. Four Wheel Anti-Lock Brakes
  4. Traction Control
  5. Child Seat Lowering Anchors
  6. Airbags (front, side, head, side head curtain)
  7. Daytime Running Lights
  8. Adjustable Seat Belt Heights With Tensioners

The Audi A4 insurance costs should be relatively fair considering that these vehicles come with a plethora of safety features. Depending on the individual insurance company, the actual influence these features will have on your rate will vary.

Some providers give up front discounts that lower your policy rate right from the start, while others may not offer any discount at all for certain features. Comparing multiple quotes will be the only way to ensure you get the best deal on your A4 auto insurance.

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Audi A4 Government Crash Test Ratings

The general safety a vehicle is able to afford its passenger is of the utmost importance when insurance companies are trying to determine the risk involved to insure a particular driver and vehicle.

In government crash tests the A4 scored a perfect five stars for frontal impacts concerning both the driver and front passenger.

Side impact tests also received a perfect five-star rating. Since the vehicle has been proven to fair very well in crash tests, it is reasonable to assume that rates should remain in the fair range for Audi A4 insurance costs.

What Are Some Tips For Getting The Lowest Insurance Rate Possible?

While the average American pays $880 a year for auto insurance, the high value of a new Audi A4 means that you can expect to pay more than that.

How much more is hard to know until you get an actual rate, but you should assume it will at least cost around $1,500 if not a lot more depending on how the insurance companies view you specifically as a risk to ensure.

Here are some tips to keep your rate low:

  • Insurance providers consider issues like your credit history and claim history when determining what rate they will actually charge you. Having a good credit score won’t just help you get a credit card, it can seriously reduce your insurance premium as well.
  • An extensive claims history will also be detrimental to keeping your rates low because providers view a lot of previous claims as making you a higher insurance risk.
  • Consider getting a higher deductible which will help lower your Audi A4 car insurance costs, but could cost more if you actually need insurance.
  • Some states also have special low-cost insurance programs for qualified drivers.
  • How much you drive will be considered as well, and limiting unnecessary driving will help lower your rate.

The only way to make sure you get the best Audi A4 auto insurance rate is to compare prices for as many competitors as possible.

So how much is insurance for an Audi? Enter your ZIP code below to start comparing FREE car insurance quotes online now!