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Audi A4 Car Insurance

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Key Takeaways

  • The average annual cost of full coverage for an Audi A4 is $1,778.
  • The exact cost of your Audi A4 vehicle insurance coverage may vary based on the trim and model you choose.
  • With a lower percentage, insurance for the Audi A4 will be less expensive. However, higher percentages translate into more expensive Audi A4 insurance premiums.

Audi A4 auto insurance cost

Full coverage for an Audi A4 costs an average of $1,778 annually, similar to the $1,742 average for small premium cars and $1,579 for all cars.

Are Audi A4s expensive to insure?

The Audi A4 is the 12th best small luxury car out of 19. However, full coverage insurance for the A4 costs an average of $1,778 yearly, whereas the category medium average cost is $1,742 annually. This variation is a difference of $36 annually.

The A4 insurance costs $154 more annually than the BMW 330i, $48 less than the Mercedes-Benz C300, $128 more than the Volvo S60, and $146 more than the Acura TLX when average rates are directly comparable to the most popular models in the small luxury car market.

Rank Make/Model Insurance Cost
1 Mercedes-Benz A220 $1,512
2 BMW 330i $1,624
3 Acura TLX $1,632
4 Volvo S60 $1,650
5 BMW 330e $1,656
6 BMW 228i $1,664
7 BMW 230i $1,676
8 Alfa Romeo Giulia $1,704
9 Cadillac CT4 $1,706
10 Lexus RC 350 $1,710
11 Genesis G70 $1,732
12 Audi A4 $1,778
13 Audi S3 $1,784
14 Mercedes-Benz C300 $1,826
15 BMW M235i $1,864
16 Audi RS 3 $1,868
17 BMW M240i $1,896
18 Lexus IS 350 $1,910
19 BMW M340i $1,914

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What impacts the cost of Audi A4 insurance?

Depending on the trim and model you select, the actual cost of your Audi A4 auto insurance coverage may change.

Model year/age of the car

Model Insurance cost
2018 Audi A4 $1556
2017 Audi A4 $1,546
2016 Audi A4 $1,522
2015 Audi A4 $1,486
2014 Audi A4 $1,452
2013 Audi A4 $1,412
2012 Audi A4 $1,352
2011 Audi A4 $1,298
2010 Audi A4 $1,268

City you live in

The table below shows the average Audi A4 insurance coverage cost for the biggest American metro cities.

City Average Annual Rate
New York, NY $$2452
Philadelphia, PA $2081
Los Angeles, CA $2652
Jacksonville, FL $2241
Phoenix, AZ $1802
Seattle, WA $1510
Chicago, IL $2050
Houston, TX $2431
Indianapolis, IN $1324
Columbus, OH $1294

Driver Age

The following table illustrates how average 2022 Audi A4 insurance prices change by age.

Driver Age Average Annual Rate
Teen driver $5655
20s $3512
30s $1624
40s $1556
50s $1420
60s $1391

How much is Audi A4 auto insurance for recent models?

Comparing the typical auto insurance rates for an Audi A4 to those for compact luxury automobile models with the most comparable sticker prices is another way to examine pricing.

Before delivery and dealer paperwork fees, the price to buy a 2022 Audi A4 ranges from $39,900 to $55,400, with an average MSRP of $47,156.

The Volvo S60, Genesis G70, Lexus RC 350, and BMW M240i are the four compact luxury automobile models most cost-competitive with the A4 for the 2022 model year.

Here are how those vehicles add up against a 2022 Audi A4 in terms of MSRP and average insurance costs.

For a brand-new 2022 model, the MSRP for the Volvo S60 is typical $704 higher than the Audi A4 ($47,872 vs. $47,168). In addition, compared to the Volvo S60, an Audi A4's insurance costs $128 more per year on average.

Compared to the Genesis G70, the 2022 Audi A4's average MSRP is $1,135 higher at $47,156 instead of $46,045. Comparing the Genesis G70 to an A4, full-coverage insurance should cost about $46 less annually.

Compared to the Lexus RC 350, which has an average MSRP of $48,441 and ranges from $45,250 to $51,330, the Audi A4's average sticker price is $1,285 more expensive. In addition, an A4 costs $68 more annually on average to insure than a Lexus RC 350.

The average MSRP of the 2022 Audi A4 is $1,406 less than the BMW M240i ($47,168 vs. $48,562) when compared to the BMW M240i. On average, the BMW M240i's insurance is $118 more expensive than the Audi A4's.

Audi A4 Crash Test Ratings

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

Audi A4 safety features

Safety 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

Audi A4 insurance loss probability

The insurance loss likelihood of the brand and model of your car is a factor that can affect your auto insurance prices but one that many consumers frequently overlook.

Insurance for the Audi A4 will be less expensive with a lower percentage. Higher percentages, however, convert into more expensive Audi A4 insurance rates.

See more information about the Audi A4's insurance loss probability in the table below.

Insurance Coverage Category Loss Rate
Collision 37%
Property Damage 30%
Comprehensive -36%
Personal Injury -40%
Medical Payment -42%
Bodily Injury -41%

How to save on Audi A4 insurance

Although it can seem like your Audi A4 auto insurance premiums are permanent, there are several steps you can take to guarantee the lowest possible costs.

  • First, ask for a higher deductible on your Audi A4 insurance policy if you require collision and comprehensive coverage. Your monthly premium will reduce as a result.
  • Additionally, let your insurance company know how you intend to use your Audi A4. It may lead to lower overall rates if you can show that you don't drive during rush hour when accidents are most likely to occur.
  • Always drive safely, and never consume alcohol while operating your Audi A4. Maintaining inexpensive vehicle insurance premiums is to retain a clean driving greatest approach to get the best rates. Additionally, you qualify for discounts for careful drivers.
  • Ask your provider about any accident forgiveness programs if you presently just have one or two minor infractions on your record.
  • Finally, before choosing an Audi A4, save money by comparing prices from several businesses. You can determine which company is best for you and your needs by comparing the policies of different providers.

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How do I find the best Audi A4 insurance rates?

  • Before selecting a plan, always seek free insurance quotes from several businesses. After all, you are free to get as many quotes as you like!
  • Your search for the finest auto insurance plan should be guided by the maxim "compare, compare, compare."
  • You can quickly locate the lowest insurance rates you qualify for your financial situation by using an insurance aggregator like

How to get Audi A4 auto insurance?

Start your search for auto insurance using the app or website to receive a free estimate quickly! Then, using our website, quickly and easily compare rates from more than 150 insurance providers to find the best deal for your Audi A4.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with

Frequently Asked Questions (FAQ)

How much is insurance on an Audi?

The average annual cost of full coverage for an Audi A4 is $1,778.

Are Audi a4 expensive to insure?

Compared to other cars, an Audi A4's average annual insurance premium of $1,540 is high.

What has Audi a4 average insurance cost?

The average cost of insurance for an Audi A4 is $1,778 per year for full coverage.

Learn more by city and state for car insurance

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