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.
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 |
Depending on the trim and model you select, the actual cost of your Audi A4 auto insurance coverage may change.
| 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 |
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 |
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 |
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.
| 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 |
| 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 |
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% |
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.
Start your search for auto insurance using the Way.com 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.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’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 way.com
The average annual cost of full coverage for an Audi A4 is $1,778.
Compared to other cars, an Audi A4's average annual insurance premium of $1,540 is high.
The average cost of insurance for an Audi A4 is $1,778 per year for full coverage.
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