How Much Does It Cost to Insure an Audi A4?

Last Updated on September 22, 2023

It costs around $2,283 per year to insure an Audi A4, according to our research. The cost of insuring an Audi A4 varies based on your model number, driving history, mileage, and other factors.

To calculate this number, we requested quotes from major insurance companies across the United States using the last ten model years of the Audi A4. We also used multiple driver profiles with different demographic data and risk factors.

Keep reading to find out everything you need about the cost of insuring an Audi A4.

Table of Contents:

The Average Auto Insurance Cost for an Audi A4

According to our research, it costs $2,283 per year for full coverage car insurance on an Audi A4.

Full coverage car insurance includes liability insurance, comprehensive coverage, and collision coverage. Most Audi A4 drivers carry full coverage car insurance. If you are leasing or financing your Audi A4, then you are required to carry full coverage car insurance.

The cost of Audi A4 insurance varies based on hundreds of factors, including the age and mileage of your vehicle, driver-specific risk factors, state insurance laws, and your ZIP code.

Audi A4 drivers in Michigan, for example, pay over $3,409 per year for full coverage car insurance, while the same drivers in Idaho pay less than $1,834 per year.

Because our analysis includes all states, multiple model years of Audi A4, and multiple types of drivers, many drivers pay significantly more or less than the amount above. However, the average Audi A4 insurance policy nationwide costs around $2,238 annually.

Factors Impacting Audi A4 Insurance Premiums

The last four model years of the Audi A4 have an average list price of around $35,000. Newer Audi A4 models have higher insurance premiums to cover their higher value. Older Audi A4 models are cheaper to insure, although you’re still paying a premium to insure a higher-end vehicle.

Insurers consider hundreds of factors when calculating the cost of Audi A4 insurance. Here are some of the most important factors insurers consider to calculate rates:

Coverage Limits & Insurance Options: Most Audi A4 owners carry full coverage car insurance, which includes collision and comprehensive coverage up to the full value of your vehicle. Full coverage car insurance also includes liability insurance. Some drivers carry minimum liability insurance required by the state. Others carry additional liability insurance to protect their assets. Audi A4 drivers with a minimum liability insurance policy could pay less than $900 per year for insurance (with no coverage for damage to the Audi A4). Audi A4 drivers with full coverage car insurance with higher liability limits, meanwhile, may pay over $2,300 per year.

Driver Record & Demographic Factors: Younger men pay higher rates for car insurance than any other demographic. If you’re a male under 25 trying to insure an Audi A4, then you could pay over $6,000 per year, on average, for full coverage car insurance. Meanwhile, older drivers with more experience pay relatively low rates for Audi A4 insurance. An experienced driver in her 50s with a clean record could pay under $1,700 per year for full coverage car insurance on an Audi A4.

State Insurance Laws: Some states have notoriously expensive car insurance premiums. Michigan, Florida, and Louisiana, for example, tend to have much higher insurance premiums than other states. Sometimes, this difference is related to risk. In other cases, it’s state insurance laws. States with no-fault car insurance, for example, tend to have higher premiums than states with tort-based insurance systems. Audi A4 drivers in the cheapest states pay under $1,400 per year for full coverage car insurance, while Audi A4 drivers in the most expensive states pay over $3,000 per year.

Credit Score: Insurers check your credit score to calculate premiums. Drivers with strong credit scores pay better rates than drivers with poor credit scores. An Audi A4 driver with a good credit score could pay less than $2,000 per year for full coverage car insurance, while an Audi A4 driver with a bad credit score could pay more than $5,000 per year. Three states ban insurers from using credit scores to calculate premiums: Massachusetts, California, and Hawaii.

Model Year & Mileage of Audi A4: How old is your Audi A4? How much mileage does it have? Both of these factors impact vehicle value. You buy car insurance to cover the full value of your vehicle. In a total loss accident, your insurer may need to pay you $40,000 to compensate for the loss of a newer Audi A4 – or less than $20,000 to compensate for the loss of an older Audi A4. Insurers consider the actual cash value of your vehicle when calculating premiums. The higher your vehicle value is, the more you’ll pay.

Insurance Company: Some insurance companies appear to consistently offer cheaper rates on Audi A4 insurance nationwide. USAA, GEICO, State Farm, and Progressive, for example, frequently beat competitors’ prices for Audi A4 insurance. If you’re disappointed with the price you’ve been quoted for your Audi A4, then shop around to find a better deal.

Other Factors (Available Discounts, Payment Frequency, ZIP Code, and More): Insurers also consider your ZIP code, your payment frequency (month-to-month, semi-annual, or annual), and available discounts when calculating premiums. These factors could increase or decrease Audi A4 insurance premiums by 50%.

Based on how the factors above impact you, you could pay significantly more or less than the nationwide average of $2,283 per year.

Best Insurance Companies for Audi A4 Owners

When calculating the average car insurance premiums for Audi A4 drivers in the United States, we found some companies consistently offered lower rates than others.

Of course, companies specialize in different niches. Some companies welcome younger drivers to their insurance pool to balance premiums, for example, while other insurers play it safe by offering cheaper rates to older, more experienced drivers.

Here are some of the best insurance companies in the United States for Audi A4 drivers, according to our research:

  1. USAA
  2. GEICO
  3. State Farm
  4. Progressive
  5. Nationwide
  6. Allstate
  7. American Family
  8. Erie

Final Word on Audi A4 Insurance

The average Audi A4 driver in the United States pays around $2,283 per year for car insurance. However, you could save hundreds per year on Audi A4 insurance by shopping around, taking advantage of discounts, and customizing your car insurance based on what you need.

Compare Audi A4 insurance quotes in your area today to find the best car insurance based on your driver profile, driving history, ZIP code, and unique needs.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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