The cheapest full coverage car insurance for an Audi A4 costs $1,247 annually, while the most expensive reaches $7,338. Rates vary based on model year, driver age, location, driving history, coverage level and insurer. In this article, MoneyGeek breaks down Audi A4 insurance costs and coverage, offering insights on the best companies and most affordable insurers.
Audi A4 Insurance Cost
Updated: April 10, 2025
Key Takeaways
State Farm offers the most affordable annual rate for minimum coverage across all Audi A4 model years at $476.
Audi A4 drivers pay an average of $600 per year for minimum coverage, while full coverage averages $1,654.
MoneyGeek reviewed data and 4,183 insurance quotes for an Audi A4 from Quadrant Information Services.
Audi A4 Insurance Rates
What Is the Average Audi A4 Car Insurance Cost?
For an Audi A4, the average full coverage insurance costs $138 per month or $1,654 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $50 monthly or $600 annually.
| Minimum Coverage | $600 |
| Full Coverage | $1,654 |
Audi A4 Insurance Costs by Company
Audi A4 insurance costs range from $1,273 to $2,376 per year, varying by age, model year and coverage level. The table below compares average rates for various national and mid-size providers and their average rates for all vehicles.
| Allstate | $1,942 | $1,808 | 7% |
| Auto-Owners | $1,273 | $1,225 | 4% |
| Farmers | $2,272 | $1,950 | 16% |
| GEICO | $1,411 | $1,330 | 6% |
| Kemper | $2,376 | $2,208 | 8% |
| Nationwide | $1,709 | $1,586 | 8% |
| Progressive | $1,931 | $1,740 | 11% |
| State Farm | $1,325 | $1,268 | 5% |
| Travelers | $1,618 | $1,519 | 7% |
| USAA | $1,307 | $1,198 | 9% |
Read more: Best Car Insurance Companies
Cost of Insuring an Audi A4 by Model Year
The year your Audi A4 was made affects insurance rates, with older models generally costing less. For example, full coverage for a 2022 model averages $1,910 annually, while a 2009 model may cost $1,382. Below are the average full and minimum coverage rates for each production year.
| 2022 | $578 | $1,910 |
| 2021 | $575 | $1,847 |
| 2020 | $563 | $1,832 |
| 2019 | $598 | $1,825 |
| 2018 | $608 | $1,809 |
| 2017 | $595 | $1,758 |
| 2016 | $629 | $1,707 |
| 2015 | $638 | $1,656 |
| 2014 | $613 | $1,603 |
| 2013 | $638 | $1,549 |
| 2012 | $635 | $1,496 |
| 2011 | $611 | $1,458 |
| 2010 | $638 | $1,420 |
| 2009 | $636 | $1,382 |
Audi A4 Insurance Costs by Driver Age
Audi A4 insurance rates vary widely based on the driver's age. For instance, a 40-year-old pays about $1,661 annually for full coverage, while a 16-year-old might pay $7,338. Below are the average rates for different age ranges.
| 16 | $2,822 | $7,338 |
| 17 | $2,293 | $5,979 |
| 18 | $2,008 | $5,286 |
| 19 | $1,427 | $3,766 |
| 20 | $1,284 | $3,428 |
| 21 | $1,013 | $2,752 |
| 22 | $925 | $2,532 |
| 23 | $859 | $2,365 |
| 24 | $816 | $2,250 |
| 25 | $716 | $1,998 |
| 26 | $698 | $1,931 |
| 27 | $681 | $1,888 |
| 28 | $669 | $1,858 |
| 29 | $659 | $1,832 |
| 30 | $636 | $1,760 |
| 35 | $617 | $1,697 |
| 40 | $611 | $1,661 |
| 45 | $606 | $1,634 |
| 50 | $590 | $1,579 |
| 55 | $574 | $1,531 |
| 60 | $574 | $1,526 |
| 65 | $613 | $1,579 |
| 70 | $665 | $1,688 |
| 75 | $739 | $1,854 |
| 80 | $836 | $2,060 |
| 85 | $904 | $2,211 |
| 90 | $955 | $2,318 |
Audi A4 Insurance Rates Explained
A driver’s car insurance rates depend on their profile, but insurers also consider factors related to your vehicle. The list below breaks down vehicle-related cost factors, such as make, model, age, safety features, repair costs and theft rates.
Audi A4 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Audi A4
Average Full Coverage Rate
$1,654Premiums for Audi A4 are:$358 more
This is 28% more expensive.
Value
The Audi A4's MSRP is $53,095, which classifies it as a luxury car and raises insurance costs. Insurers consider the vehicle's value when determining premiums.
Repair costs
The annual repair cost for the Audi A4 is $739, below the national average. The availability of parts and labor can influence Audi A4's insurance costs.
Performance
The Audi A4 accelerates from 0 to 60 mph in 4.8 seconds and has horsepower ranging from 201 to 261, classifying it as a high-performance vehicle. Insurers may associate high performance with risky driving behavior, potentially increasing insurance costs.
Vehicle age
Newer cars are typically more expensive to insure than older vehicles. However, collector and classic vehicles can be exceptions and may have higher insurance costs.
Safety features
Safety features such as stability control, airbags and antilock brakes can qualify your vehicle for insurance discounts. The Audi A4 includes these features, reducing accident risks.
Vehicle size
Larger vehicles generally cost more to insure due to increased property damage potential. The Audi A4 is a smaller vehicle, which may lead to lower insurance costs than larger models.
Trim level
Vehicles with higher trim levels often include premium upgrades, raising the MSRP and insurance costs. As a result, an Audi A4 with a higher trim level costs more to insure than the base model.
Theft rates
Vehicles that are more likely to be stolen will cost more to insure. According to the Highway Loss Data Institute (HLDI), the Audi A4 has a theft relative claims frequency of 44, which may increase insurance rates.
Anti-theft features
Vehicles with anti-theft features can qualify for lower premiums or discounts. The Audi A4 includes anti-theft features that may help reduce insurance costs.
Cheapest Audi A4 Insurance
State Farm offers the most affordable insurance for an Audi A4 at $476 per year for minimum coverage, based on a 40-year-old male driver with a clean driving record. Below is a breakdown of the cheapest Audi A4 insurance rates across different coverage levels, age groups, driving records, model years and more.
Cheapest Audi A4 Insurance by Coverage Level
The coverage level you select significantly impacts your Audi A4 insurance rate. State Farm provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both coverage types.
Cheapest Audi A4 Minimum Coverage
For Audi A4 owners, State Farm and GEICO offer the cheapest minimum coverage at $40 per month. Competitive rates are also available from Travelers at $51 and both Allstate and Progressive at $55. Costs range from $40 to $63.
| USAA | $32 | $388 |
| State Farm | $40 | $476 |
| GEICO | $40 | $482 |
| Travelers | $51 | $614 |
| Allstate | $55 | $659 |
| Progressive | $55 | $662 |
| Nationwide | $56 | $667 |
| Farmers | $63 | $759 |
*State Farm and GEICO offer the lowest average minimum coverage insurance rate for non-military-affiliated Audi A4 owners. USAA is the most affordable option for military-affiliated drivers.
Best Audi A4 Insurance Rates by Model Year
Because the list above doesn't consider the model production year, lower rates might be available based on your vehicle's age. Use the table below to filter and find the cheapest minimum coverage rates for every Audi A4 production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $659 | $55 |
| Farmers | $856 | $71 |
| GEICO | $496 | $41 |
| Nationwide | $732 | $61 |
| Progressive | $660 | $55 |
| State Farm | $431 | $36 |
| Travelers | $713 | $59 |
| USAA | $400 | $33 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Audi A4 Insurance
State Farm offers the cheapest full coverage for an Audi A4 at $107 monthly and $1,287 annually. Below is a complete list of full coverage car insurance providers and their rates for an Audi A4.
| USAA | $104 | $1,247 |
| State Farm | $107 | $1,287 |
| GEICO | $114 | $1,372 |
| Nationwide | $133 | $1,600 |
| Travelers | $134 | $1,606 |
| Allstate | $154 | $1,852 |
| Progressive | $155 | $1,862 |
| Farmers | $177 | $2,122 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Audi A4 owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Audi A4 Insurance by Age
Drivers aged 16 to 25 and those 55 and older often pay more for Audi A4 insurance. Below is a breakdown of the cheapest Audi A4 insurance by age.
Cheapest Audi A4 Insurance for Young Drivers
State Farm offers the cheapest auto insurance for Audi drivers aged 16 to 25 at $87 monthly or $1,043 annually for minimum coverage. Below is a table showing the complete list of affordable rates for young Audi A4 drivers.
| USAA | $67 | $801 |
| State Farm | $87 | $1,043 |
| GEICO | $95 | $1,138 |
| Travelers | $108 | $1,293 |
| Allstate | $124 | $1,483 |
| Nationwide | $147 | $1,761 |
| Progressive | $164 | $1,970 |
| Farmers | $172 | $2,066 |
*State Farm is the cheapest insurer for young, non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Audi A4 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors 55 and up at $44 monthly or $523 yearly. See the full list of affordable insurers for Audi A4 below:
| USAA | $43 | $515 |
| State Farm | $44 | $523 |
| GEICO | $48 | $574 |
| Travelers | $62 | $740 |
| Nationwide | $65 | $784 |
| Allstate | $67 | $798 |
| Progressive | $68 | $818 |
| Farmers | $85 | $1,022 |
*State Farm is the cheapest insurer for senior, non-military-affiliated Audi A4 owners. USAA is the most affordable option for military-affiliated drivers.
Cheapest Audi A4 Insurance After an Accident
State Farm, GEICO and Travelers offer Audi A4 drivers the most affordable car insurance after an accident. See the complete list below.
| USAA | $49 | $587 |
| State Farm | $50 | $596 |
| GEICO | $63 | $757 |
| Travelers | $74 | $886 |
| Allstate | $75 | $895 |
| Nationwide | $86 | $1,027 |
| Progressive | $91 | $1,089 |
| Farmers | $131 | $1,576 |
Audi A4 Insurance Cost: Bottom Line
Make it a habit to compare car insurance rates from different providers to find the best options. This article offers an in-depth look at Audi A4 insurance, covering the vehicle's costs across various demographic groups and the cheapest providers.
Audi A4 Insurance Rates: FAQ
Below are common questions about Audi A4 insurance costs, including minimum coverage and affordable options.
What company has the cheapest car insurance for an Audi A4?
State Farm offers the cheapest car insurance for an Audi A4, with an annual minimum coverage rate of $476.
What is the average cost of car insurance for an Audi A4?
The average annual cost of minimum coverage for an Audi A4 is $600, while full coverage averages $1,654.
Audi A4 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 quotes for an Audi A4 from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring an Audi A4:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Audi A4 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Audi A4.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.