Audi A4 Car Insurance Cost 2025
The average cost to insure an Audi A4 is $2,471 per year. However, your actual rate may vary depending on factors like your age, the car’s model year, and other personal details. Use our quote tables below to get an estimate tailored to your situation.
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If you’re thinking about buying an Audi A4, you’ll need to consider the cost of insurance. On average, insurance for an Audi A4 costs $2,471 per year. Insurance is a significant aspect of owning a car, and it’s essential to understand its implications before making a decision.
Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses in the future. You wouldn’t want to be underinsured in the event of an accident, resulting in significant out-of-pocket costs. Additionally, if you’re deemed at fault, your insurance premiums could rise.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors such as your age, driving record, and even your location can have a significant impact on your insurance premiums.
How Much Does An Audi A4 Car Insurance Cost?
On average, Audi A4 drivers can expect to pay around $2,471 per year for car insurance.
Car insurance costs can vary widely based on several factors, including your location, driving history, the model year of your car, and the coverage options you choose. A clean driving record can help you secure lower premiums, while accidents or traffic violations may increase your rates.
Living in urban areas with high traffic congestion often leads to higher insurance costs compared to rural areas with less traffic. Additionally, the type of coverage you select significantly impacts your premium—full coverage, including collision and comprehensive, is generally more expensive than basic liability coverage.
As shown in the table below, insuring an Audi A4 is more affordable than the average cost of all Audi models but remains higher than the average cost for all vehicles. Insuranceopedia can help you compare quotes from multiple auto insurance providers, ensuring you find the best rates for your Audi A4.
| Vehicle | Average Monthly Premium |
| Audi A4 | $186 |
| All Audis | $197 |
| All Cars | $175 |
Average Insurance Cost Of Audi A4 By Model Year
| Model Year | Average Premium |
| 2024 Audi A4 | $2,770 |
| 2023 Audi A4 | $1,675 |
| 2022 Audi A4 | $1,481 |
| 2021 Audi A4 | $1,066 |
| 2020 Audi A4 | $1,162 |
| 2019 Audi A4 | $1,040 |
| 2018 Audi A4 | $1,108 |
| 2017 Audi A4 | $974 |
| 2016 Audi A4 | $1,024 |
| 2015 Audi A4 | $813 |
| 2014 Audi A4 | $1,004 |
| 2013 Audi A4 | $737 |
| 2012 Audi A4 | $1,022 |
| 2011 Audi A4 | $521 |
| 2010 Audi A4 | $458 |
2024 Audi A4 Insurance Rates
The average annual insurance cost for a 2024 Audi A4 is $2,770. However, Esurance offers the cheapest rates, averaging $2,117 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $2,117 |
| USAA | $2,198 |
| California Capital | $2,183 |
| Mercury | $2,587 |
| Metropolitan | $3,012 |
| Bristol West | $3,072 |
| Unitrin | $3,069 |
| Farmers | $3,094 |
| Alliance United | $3,119 |
| CSAA | $3,252 |
2023 Audi A4 Insurance Rates
The average annual insurance cost for a 2023 Audi A4 is $1,675. However, PEMCO offers the cheapest rates, averaging $1,302 per year.
| Insurance Provider | Average Annual Cost |
| PEMCO | $1,302 |
| Capital Insurance Group | $1,336 |
| USAA | $1,332 |
| Unigard | $1,660 |
| Unitrin | $1,687 |
| State Farm | $1,765 |
| Nationwide | $1,811 |
| Travelers | $1,851 |
| Direct Auto | $1,935 |
| GMAC Insurance Group | $2,066 |
2022 Audi A4 Insurance Rates
The average annual insurance cost for a 2022 Audi A4 is $1,481. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,174 per year.
| Insurance Provider | Average Annual Cost |
| Texas Farm Bureau Group | $1,174 |
| National General Value | $1,216 |
| SECURA Insurance | $1,356 |
| Rockford Mutual Insurance | $1,454 |
| Country | $1,486 |
| ACCC Insurance Company | $1,520 |
| Plymouth Rock | $1,566 |
| Pekin Insurance | $1,560 |
| New Jersey Manufacturers | $1,654 |
| Safeco | $1,828 |
2021 Audi A4 Insurance Rates
The average annual insurance cost for a 2021 Audi A4 is $1,066. However, Mercury Insurance Bureau Group offers the cheapest rates, averaging $399 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $399 |
| American National P | $659 |
| Pekin Insurance | $946 |
| Kemper Auto | Infinity | $971 |
| Hastings Mutual Insurance Co | $1,075 |
| Indiana Farmers Mutual Ins | $1,233 |
| Texas Farm Bureau Group | $1,321 |
| PEMCO | $1,313 |
| Grange Mutual | $1,367 |
| Capital Insurance Group | $1,380 |
2020 Audi A4 Insurance Rates
The average annual insurance cost for a 2020 Audi A4 is $1,162. However, Mercury Insurance Bureau Group offers the cheapest rates, averaging $620 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $620 |
| Hastings Mutual Insurance Co | $903 |
| SECURA Insurance | $1,151 |
| American National P | $1,147 |
| Capital Insurance Group | $1,205 |
| PEMCO | $1,253 |
| Texas Farm Bureau Group | $1,269 |
| Pekin Insurance | $1,333 |
| Plymouth Rock Assurance | $1,346 |
| Safety Group | $1,392 |
2019 Audi A4 Insurance Rates
The average annual insurance cost for a 2019 Audi A4 is $1,040. However, NatGen Value offers the cheapest rates, averaging $505 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Value | $505 |
| American National P | $511 |
| Buckeye Insurance Group | $813 |
| Utica National Ins Group | $1,056 |
| Texas Farm Bureau Group | $1,187 |
| Safeco | $1,198 |
| Capital Insurance Group | $1,231 |
| Virginia Farm Bureau | $1,244 |
| PEMCO | $1,302 |
| Western Reserve | $1,354 |
2018 Audi A4 Insurance Rates
The average annual insurance cost for a 2018 Audi A4 is $1,108. However, Kemper Auto Premier offers the cheapest rates, averaging $299 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $299 |
| SAFECO | $622 |
| Plymouth Rock | $752 |
| American National P | $963 |
| AssuranceAmerica Mobile Max | $1,277 |
| PEMCO | $1,295 |
| Capital Insurance Group | $1,385 |
| Utica National Ins Group | $1,467 |
| Buckeye Insurance Group | $1,488 |
| Jupiter Auto Insurance | $1,535 |
2017 Audi A4 Insurance Rates
The average annual insurance cost for a 2017 Audi A4 is $974. However, NatGen Custom 360 offers the cheapest rates, averaging $589 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $589 |
| Concord Group | $719 |
| American National P | $833 |
| SAFECO | $951 |
| Jupiter Auto Insurance | $985 |
| Indiana Farmers Mutual Ins | $1,018 |
| Countryway Insurance | $1,097 |
| MMG Insurance Company | $1,147 |
| Farmers Mutual of Nebraska | $1,183 |
| Mercury Insurance | $1,219 |
Find Affordable Audi A4 Insurance Rates
2016 Audi A4 Insurance Rates
The average annual insurance cost for a 2016 Audi A4 is $1,024. However, SAFECO offers the cheapest rates, averaging $297 per year.
| Insurance Provider | Average Annual Cost |
| SAFECO | $297 |
| Plymouth Rock | $324 |
| Utica National Ins Group | $1,025 |
| Kemper Auto | $1,061 |
| North Carolina Farm Bureau | $1,149 |
| Buckeye Insurance Group | $1,236 |
| Capital Insurance Group | $1,270 |
| Tennessee Farmers | $1,279 |
| SECURA Insurance | $1,290 |
| PEMCO | $1,307 |
2015 Audi A4 Insurance Rates
The average annual insurance cost for a 2015 Audi A4 is $813. However, Safeco offers the cheapest rates, averaging $76 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $76 |
| Mercury Insurance | $134 |
| American National P&C | $610 |
| American National P | $644 |
| Kemper Auto Premier | $714 |
| North Carolina Farm Bureau | $1,022 |
| Utica National Ins Group | $1,175 |
| Titan | $1,233 |
| Farmers Mutual of Nebraska | $1,226 |
| General Casualty | $1,298 |
2014 Audi A4 Insurance Rates
The average annual insurance cost for a 2014 Audi A4 is $1,004. However, Safeco offers the cheapest rates, averaging $405 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $405 |
| Mercury Insurance | $614 |
| Rural Mutual Insurance | $989 |
| Concord Group | $1,016 |
| Dairyland Realtime | $1,092 |
| SECURA Insurance | $1,137 |
| West Bend Mutual | $1,171 |
| PEMCO | $1,207 |
| AssuranceAmerica Mobile Max | $1,171 |
| Pekin Insurance | $1,238 |
2013 Audi A4 Insurance Rates
The average annual insurance cost for a 2013 Audi A4 is $737. However, Mercury Insurance offers the cheapest rates, averaging $74 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $74 |
| SAFECO | $193 |
| Kemper Auto | Infinity | $221 |
| Kemper Auto Premier | $638 |
| American National P | $805 |
| IMT Insurance Company | $976 |
| NatGen Value | $1,041 |
| Countryway Insurance | $1,057 |
| PEMCO | $1,192 |
| Concord Group | $1,175 |
2012 Audi A4 Insurance Rates
The average annual insurance cost for a 2012 Audi A4 is $1,022. However, Safeco offers the cheapest rates, averaging $697 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $697 |
| American National P | $732 |
| Indiana Farmers Mutual Ins | $824 |
| Concord Group | $951 |
| Countryway Insurance | $1,058 |
| Cameron Mutual Group | $1,130 |
| North Carolina Farm Bureau | $1,132 |
| Mercury Insurance | $1,183 |
| Utica National Ins Group | $1,211 |
| IMT Insurance Company | $1,297 |
2011 Audi A4 Insurance Rates
The average annual insurance cost for a 2011 Audi A4 is $521. However, Kemper Personal Insurance offers the cheapest rates, averaging $156 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $156 |
| Jupiter Auto Insurance | $182 |
| Mercury Insurance | $252 |
| Safeco | $289 |
| Union Mutual Fire Group | $542 |
| Kemper Auto | Infinity | $646 |
| NatGen PPA | $729 |
| AssuranceAmerica Economy | $745 |
| American National P | $810 |
| NatGen Custom 360 | $854 |
2010 Audi A4 Insurance Rates
The average annual insurance cost for a 2010 Audi A4 is $458. However, Mercury Insurance offers the cheapest rates, averaging $222 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $222 |
| Kemper Auto Premier | $244 |
| SAFECO | $341 |
| Union Mutual Fire Group | $363 |
| NatGen Value | $401 |
| AssuranceAmerica Economy | $420 |
| Dairyland Broadform Realtime | $579 |
| Dairyland Realtime | $601 |
| American National P | $702 |
| NatGen PPA | $711 |
Find Affordable Audi A4 Insurance Rates
Is An Audi A4 Expensive To Insure?
Insuring an Audi A4 typically costs more than the average for all cars. However, the exact premium you’ll pay depends on several factors, including your age, the car’s model year, your location, and other personal details.
Cost of Audi A4 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums due to their higher likelihood of being involved in accidents. As drivers age and gain experience, their premiums generally decrease since they are considered lower insurance risks.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,367 | $9,357 | $10,944 |
| 18 | $5,961 | $8,718 | $10,211 |
| 19 | $5,249 | $7,701 | $9,000 |
| 20 | $4,575 | $6,718 | $7,875 |
| 21 | $3,841 | $5,617 | $6,592 |
| 22 | $3,742 | $5,483 | $6,406 |
| 23 | $3,275 | $4,794 | $5,638 |
| 24 | $3,105 | $4,563 | $5,341 |
| 25 | $2,686 | $3,918 | $4,599 |
| 30 | $2,072 | $3,065 | $3,587 |
| 35 | $1,940 | $2,881 | $3,345 |
| 40 | $1,872 | $2,743 | $3,241 |
| 45 | $1,826 | $2,670 | $3,150 |
| 55 | $1,664 | $2,463 | $2,873 |
| 65 | $1,737 | $2,582 | $3,022 |
| 75 | $2,214 | $3,232 | $3,806 |
Audi A4 Car Insurance Rates By State
Your location heavily influences how insurance companies determine rates. Each state has its own regulations for auto insurance; for instance, Michigan drivers often face higher premiums due to mandatory higher coverage levels. Climate also plays a role, as areas prone to extreme weather like hurricanes, storms, or flooding can lead to higher costs. Additionally, local crime rates, accident statistics, and vehicle-related fatalities impact insurance pricing. These factors combined determine the specific insurance rate for your Audi A4.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $1,981 | $2,909 | $3,705 |
| Alaska | $1,631 | $2,306 | $2,220 |
| Arizona | $1,845 | $2,713 | $3,978 |
| Arkansas | $2,063 | $3,218 | $3,537 |
| California | $2,287 | $4,006 | $2,269 |
| Colorado | $2,145 | $2,970 | $3,761 |
| Connecticut | $2,697 | $4,212 | $5,333 |
| Delaware | $2,237 | $2,980 | $3,834 |
| Florida | $2,694 | $3,682 | $4,820 |
| Hawaii | $884 | $1,191 | $878 |
| Idaho | $1,518 | $2,024 | $2,437 |
| Illinois | $1,566 | $2,378 | $2,741 |
| Indiana | $1,641 | $2,491 | $2,794 |
| Iowa | $1,279 | $1,750 | $2,068 |
| Kansas | $1,709 | $2,501 | $2,922 |
| Kentucky | $2,471 | $3,660 | $4,319 |
| Louisiana | $3,201 | $4,796 | $5,226 |
| Maine | $1,219 | $1,654 | $2,477 |
| Maryland | $1,950 | $2,829 | $3,144 |
| Massachusetts | $1,560 | $2,715 | $1,582 |
| Michigan | $3,756 | $5,740 | $9,078 |
| Minnesota | $1,567 | $2,065 | $2,916 |
| Mississippi | $1,877 | $2,658 | $2,673 |
| Missouri | $1,781 | $2,507 | $3,304 |
| Montana | $1,793 | $2,504 | $2,900 |
| Nebraska | $1,518 | $2,230 | $2,417 |
| Nevada | $2,484 | $3,720 | $3,939 |
| New Hampshire | $1,735 | $2,757 | $3,489 |
| New Jersey | $1,910 | $3,008 | $3,939 |
| New Mexico | $1,953 | $2,911 | $3,024 |
| New York | $1,796 | $2,272 | $3,814 |
| North Carolina | $1,119 | $1,933 | $1,373 |
| North Dakota | $1,553 | $2,318 | $2,763 |
| Ohio | $1,388 | $2,128 | $2,153 |
| Oklahoma | $2,199 | $3,154 | $3,530 |
| Oregon | $1,984 | $2,692 | $3,200 |
| Pennsylvania | $1,666 | $2,486 | $2,889 |
| Rhode Island | $2,809 | $4,094 | $4,637 |
| South Carolina | $1,919 | $2,619 | $3,641 |
| South Dakota | $1,710 | $2,469 | $2,839 |
| Tennessee | $2,012 | $2,978 | $3,945 |
| Texas | $2,017 | $2,937 | $3,656 |
| Utah | $1,722 | $2,404 | $3,302 |
| Vermont | $1,330 | $2,041 | $2,175 |
| Virginia | $1,235 | $1,936 | $1,879 |
| Washington | $1,662 | $2,259 | $2,671 |
| West Virginia | $1,653 | $2,390 | $2,990 |
| Wisconsin | $1,660 | $2,605 | $2,969 |
| Wyoming | $1,543 | $2,150 | $2,292 |
| Georgia | $2,182 | $3,260 | $3,279 |
Find Affordable Audi A4 Insurance Rates
Cheapest Car Insurance Companies For An Audi A4
If you’re planning to purchase a new car insurance policy for your Audi A4, finding the most affordable provider is key. For drivers focused on cost savings, AmericanAlliance offers premiums as low as $28 per month, making them the cheapest option on average. However, it’s important to note that rates can vary depending on your individual driver profile. To ensure you’re getting the best deal tailored to your needs, it’s recommended to shop around and compare quotes from multiple providers.
| Company | Average Monthly Rate |
| AmericanAlliance | $28 |
| NYCM | $56 |
| Dairyland | $46 |
| MetroMile | $53 |
| NationalGeneral | $50 |
Common Audi A4 Insurance Discounts
Discounts can significantly reduce your car insurance premiums. While providers have their own unique offerings, there are several common discounts you can explore:
- Multi-policy: Bundling your auto and home insurance with the same provider can earn you a lower rate.
- Pay annually: Paying your premium in full rather than monthly can save you money.
- Defensive driving: Completing a certified defensive driving course may qualify you for additional savings.
Other discounts may also apply based on your circumstances. To ensure you’re maximizing your savings, speak with your insurance agent to identify all discounts you may be eligible for.
Ways To Save On Audi A4 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Audi A4 insurance costs low. Even a single speeding ticket or accident can cause your premiums to rise significantly. Drivers with a ticket pay an average of $97 per month, while those with multiple accidents face premiums around $130 per month.
Another factor that affects rates is annual mileage. Lower mileage generally means lower risk, resulting in reduced premiums. Drivers who log between 5,000 and 7,500 miles per year pay an average of $82 per month, while those who drive over 10,000 miles annually see their rates increase to around $102 per month. By driving safely and limiting your mileage, you can effectively manage and lower your insurance costs.
Compare Audi A4 To Other Audi Models
Looking for other Audi model insurance costs?
- Audi Q5 Car Insurance
- Audi A3 Car Insurance
- Audi Q3 Car Insurance
- Audi A5 Car Insurance
- Audi A7 Car Insurance
- Audi Q7 Car Insurance
- Audi S4 Car Insurance
- Audi A6 Car Insurance
- Audi E-Tron Car Insurance
- Audi R8 Car Insurance
- Audi S5 Car Insurance
- Audi A8 Car Insurance
- Audi Q8 Car Insurance
- Audi S6 Car Insurance
- Audi S8 Car Insurance
- Audi SQ5 Car Insurance
- Audi TT Car Insurance
- Audi TTS Car Insurance
- Audi A4 Allroad Car Insurance
- Audi A6 Allroad Car Insurance
- Audi Q5 E Car Insurance
- Audi RS Q8 Car Insurance
- Audi RS3 Car Insurance
- Audi RS5 Car Insurance
- Audi S3 Car Insurance
- Audi S7 Car Insurance
- Audi SQ7 Car Insurance
- Audi SQ8 Car Insurance
- Audi TT RS Car Insurance
Our Methodology
Insuranceopedia calculated average car insurance costs by aggregating thousands of quotes from leading auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with specific coverage limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. However, these figures are averages and may vary for each individual based on factors such as age, location, driving history, and the specific car model. Therefore, your personal quote could be different.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase An Audi A4?
Yes, you will need to provide proof of insurance before you can drive your Audi A4 off the dealership lot. It’s best to purchase a policy in advance and then inform your insurance company once you are about to buy the car. This way, you ensure you’re covered immediately without needing to rely on dealership-provided insurance, which might not offer the best coverage or rates for your situation.
How Can You Get The Cheapest Insurance For Your Audi A4?
The best way to find the cheapest rates for your Audi A4 is by shopping around and comparing quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers on our website. This will help you find the most competitive rates and the coverage options that best fit your needs.
