Audi A4 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs more to insure an Audi A4 than the average car.
• Full coverage for an A4 typically runs about $191 a month, while liability only insurance premiums average around $85 per month.
• AmericanAlliance provides the cheapest average premiums for an A4 with liability only coverage offered for as cheap as just $36 monthly.

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A4 Overview

With a base price of just $39,100 for 2022 models, the Audi A4 is a great budget-friendly option for any driver. There are three different trim levels currently available, so every driver can find an option to match their style.

Based on looking at thousands of auto insurance quotes from Compare.com, we've found that Audi A4 car insurance prices average out to about $181 per month. Where does that fall compared to the rest of the market?

How Much is Car Insurance for an Audi A4?

In the table above, you'll see that compared to other vehicles, Audi A4 insurance rates are more expensive than average. On average, A4 drivers will pay around $85 a month for liability insurance, and about $191 per month for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about these different types of insurance).

Comparing it to other models, the A4 is on par with the other vehicle types offered by Audi. Compared to offerings from other brands, insurance for an A4 is similarly on the expensive side, with full coverage insurance prices coming in around 8% more and 2% more for liability only insurance.

When compared to all vehicles, regardless of model, body style, or make, the A4 follows a similar pattern of having above average car insurance premiums.

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Who has the Cheapest Car Insurance for an Audi A4?

If you're browsing for a new auto insurance policy for your Audi A4, you may want to know which company offers the cheapest premiums. Even though rates can change dramatically from person to person, AmericanAlliance offers the lowest average rates for liability only coverage, with rates as little as $36 a month. The next most affordable carrier is Dairyland, who offers auto insurance as cheap as $38 monthly.

Completing the top 5 carriers are NationalGeneral, NYCM, and MetroMile. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Audi A4.

After all, your results might be different, since car insurance carriers look at a variety of different factors when calculating premiums. The only way to guarantee you find the cheapest rates is to compare quotes from lots of auto insurance companies.

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What Factors Affect Car Insurance Rates for an Audi A4?

As we mentioned above, there are several variables that insurance carriers reference to decide how much they charge you -- and each company weighs different attributes more heavily than others, so there's not a single carrier that's the most affordable for every A4 driver.

Keep reading to learn which things auto insurance companies look at and how they affect your final rate:

Vehicle Age

The Audi A4 has been around for a while -- that means vehicle age will likely play a big role in what you end up paying for car insurance. Normally, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually decrease.

Based on the information in the table above, the Audi A4 is not quite in line with this trend, as the most expensive models to insure are those that are 8 to 10 years old, while the cheapest A4s are 1 year old or less, on average.

Your Age

Age plays a significant role in how much insurance carriers will charge you for car insurance. As you can see in the table above, younger A4 drivers have higher prices compared to those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group being 55-64 for A4 drivers.

Your Gender

You may not know, but auto insurance is normally cheaper for women than it is for men. This is because men are more likely to get speeding tickets and get into collisions, which raises the chances of an insurance claim. The Audi A4 follows this convention, and women pay about 23% less than men a month for insurance.

Where You Live

You might already know that variables such as how old you are and what vehicle you drive play a role in your car insurance rates, but you may not realize that where you live can be equally important. Because insurance is regulated on a state-by-state basis, premiums can shift quite a bit depending on what state you live in.

For example, the average Audi A4 owner in New York pays around $212 per month for liability coverage, while on average, the same Californian driver will pay less than half of that price. The chart above shows average prices for the top 10 most populous states, just to give you a good idea of how much premiums can change between states.

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Audi A4 Car Insurance Discounts

Whatever what state you live in, how old you are, or what car you drive, it's always a smart move to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Not every insurance company will offer the same discounts, but there are a few that are relatively universal. These include things like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Multi-policy discounts for using the same insurance carrier for both your home and car insurance
• Pay-in-full discounts for agreeing to pay your entire policy rate up front, rather than in monthly installments

But these aren't the only discounts auto insurance carriers offer to their customers. Often, it's actually having a profile that looks good to insurance companies that get you the best rates.

While you don't have control over every factor car insurance carriers consider to calculate rates (like some of the ones mentioned above), you can control some of them. Below are just a few of the ones you can use to your advantage when it comes to saving some cash:

Your Driving Record

You've almost certainly seen ads from insurance companies offering big discounts for responsible drivers. And you probably wouldn't be surprised that if you get into an accident or get a ticket for speeding, auto insurance premiums will get higher. But exactly how much can these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost A4 drivers more than tickets, but both will cause a significant increase in rates. Audi A4 drivers with a single ticket will pay an average of $93 monthly, while drivers with one accident on their record pay about $100 each month (up $15 from the $85/mo. overall average). Those with more than one of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive each year impacts your car insurance rates. Those who are on the roads less have fewer opportunities to get into an accident, so they'll usually get lower prices. In the above table, you can see that Audi A4 owners who drive 10,000 miles or more pay $95 for insurance, while those who drive fewer than 2,500 miles every year pay an average of $80 per month.

But if you're one of those drivers who don't put very many miles on your Audi A4 each year, it may be worth considering pay-per-mile or usage-based car insurance. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Audi A4s Compare to Other Vehicles?

If you're thinking about making an Audi A4 your next vehicle, you're probably wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.

Visit the table below to see how the Audi A4 stacks up:

Overall, the Audi A4 has an average MSRP and is in line with the going rate for a new vehicle. The national average vehicle MSRP is $46,192, and the A4 comes in close to that at $39,100.

Liability insurance for an Audi A4 is, while full coverage is over $40 more a month.

When it comes to usage, Audi A4 owners drive about the same amount annually as the national average, with 11,617 miles per year for all vehicles compared to the A4's 11,986 a year.

Audi A4 Car Insurance Costs by Model Year

We've gone over many of the factors that can affect how much the average driver pays to insure an Audi A4. If you're in thinking about buying a new car, truck, or SUV and the A4 is on your wishlist, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your choices.

Choose Your Model

2021 Audi A4 Car Insurance 2020 Audi A4 Car Insurance 2019 Audi A4 Car Insurance 2018 Audi A4 Car Insurance 2017 Audi A4 Car Insurance 2016 Audi A4 Car Insurance 2015 Audi A4 Car Insurance 2014 Audi A4 Car Insurance 2013 Audi A4 Car Insurance 2012 Audi A4 Car Insurance 2011 Audi A4 Car Insurance 2010 Audi A4 Car Insurance

2021 Audi A4 Car Insurance

The average cost to insure a 2021 Audi A4 with liability only coverage is $69 monthly, while full coverage runs about $202 per month.

With premiums as little as just $26 monthly, Safeco offered the most affordable policy we found for the 2021 Audi A4.

What could your car insurance price look like? Just enter your ZIP code below to get multiple personalized quotes for free.

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2020 Audi A4 Car Insurance

It costs around $73 a month for liability or $216 for a full coverage policy for the 2020 A4.

Safeco has prices sometimes as low as $19 monthly for the 2020 Audi A4.

If you want to know exactly how much you can expect to pay for your A4, just enter your ZIP code below and get free quotes in minutes.

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2019 Audi A4 Car Insurance

You can expect full coverage for a 2019 Audi A4 to run about $198 a month, while liability only coverage will average around $70 per month.

With premiums as low as $25 monthly, Amica offered the lowest policy we found.

If you're looking for a more exact figure on what you should pay for insurance for a 2019 Audi A4, you can get free quotes in minutes by just entering your ZIP code below.

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2018 Audi A4 Car Insurance

2018 A4 drivers can expect to pay an average of $77 a month for liability or $210 for full coverage.

We found Dairyland offered the cheapest policy, with rates sometimes as cheap as $19 per month.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2017 Audi A4 Car Insurance

On average, drivers who own a 2017 Audi A4 can expect to pay $86 to $204 monthly for liability only and full coverage auto insurance, respectively.

If you're looking for the most affordable 2017 Audi A4 insurance policy, Hugo offered the most affordable policy we found, with rates sometimes as little as $21 per month.

Want to know just how much you'll pay? Enter your ZIP code below to get lots of customized quotes for free.

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2016 Audi A4 Car Insurance

2016 A4 drivers can expect to pay an average of $83 a month for liability or $197 for full coverage.

Looking for the lowest policy? MetroMile offered liability only coverage for as low as just $22 per month.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2015 Audi A4 Car Insurance

It costs about $89 monthly for liability or $186 for a full coverage policy for the 2015 Audi A4.

Elephant offered the cheapest policy we found, with rates sometimes as low as $20 a month.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2014 Audi A4 Car Insurance

On average, drivers who own a 2014 A4 can expect to pay $80 to $187 monthly for liability only and full coverage insurance, respectively.

Looking for the most affordable policy? DirectGeneral offered liability only coverage for as little as just $24 per month.

While these are good estimates of what the average driver might pay to insure a 2014 Audi A4, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Audi A4 Car Insurance

The average cost to insure a 2013 Audi A4 with liability only coverage is $90 a month, while full coverage runs around $216 monthly.

With prices sometimes as little as $17 a month, Liberty Mutual offered the cheapest policy we found.

Want to find the best rates? Get a variety of personalized quotes for free by just entering your ZIP code below.

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2012 Audi A4 Car Insurance

You can expect full coverage for a 2012 A4 to run about $221 per month, while liability only coverage will average around $114 monthly.

Aspire offered the lowest policy we found, with rates as cheap as $19 per month.

These average premiums are a great starting point if you're in the market for a 2012 Audi A4, but there are a bunch of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2011 Audi A4 Car Insurance

On average, drivers who own a 2011 Audi A4 can expect to pay $76 to $181 a month for liability only and full coverage car insurance, respectively.

We found Clearcover offered the cheapest policy, with rates as little as $17 per month.

Interested in just how much you'll pay? Enter your ZIP code below to get several free customized quotes.

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2010 Audi A4 Car Insurance

2010 A4 drivers can expect to pay an average of $94 a month for liability or $193 for full coverage.

With prices as cheap as just $19 monthly, ACG offered the most affordable policy we found for the 2010 Audi A4.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Audi A4 Insurance FAQs

Is an Audi A4 expensive to insure?

The Audi A4 is more expensive to insure compared to the average car. Liability insurance runs an average of $85 a month, while full coverage will cost you around $191.

How can I get the best price on car insurance for my Audi A4?

The only way to ensure you're getting the lowest price on auto insurance is to regularly shop around and compare quotes from a range of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a whole bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Audi A4 affect my insurance prices?

You've probably heard the old adage that red cars cost more to insure, but that's actually a myth. Although there are lots of variables insurance carriers consider when they calculate your rates, the color of your car is not used to make that determination.

Do I need to have insurance before I buy an Audi A4?

You'll need to have valid auto insurance for your A4 before you can legally drive your it off the dealership lot. As part of the buying process, some dealerships may offer you an insurance policy, but the best thing to do when buying a an car is to let your car insurance company know beforehand.

What car insurance discounts can I get for my Audi A4?

You will find a whole range of discounts out there for insurance. Many of them (like "multi-policy discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your A4 has safety features like anti-theft systems, anti-lock brakes, airbags, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about their list of discounts, since they differ quite a bit from company to company.