Compare the Cost of Audi A4 Insurance by Model Year and Company

According to MoneyGeek, the average cost of car insurance for an Audi A4 is $1,528 per year, which is expensive compared to other models. This cost is also slightly higher than the national average of $1,427.

Audi A4 owners may pay different rates depending on their insurance provider and model year. Shopping around can help you find the lowest rates.

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When looking for car insurance for your Audi A4, it is important to note that different companies will charge different rates for your model year. By taking the time to compare Audi A4 insurance quotes from various companies, you can secure the best rates. Always remember that it pays to shop around.

Key Takeaways

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On average, Audi A4 drivers pay $1,528 for insurance per year, compared to the average national cost of $1,427 per year.

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The cost of insurance for Audi A4 can vary by as much as $624 per year, depending on the insurer you choose.

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Insurance costs for Audi A4 can vary by a maximum of $705 per year based on how old your car is. The older the model, the lower the cost of insurance.

How Much It Costs to Insure a Audi A4 and the Cheapest Company

The company you select for your Audi A4 car insurance can impact your rates significantly. The average annual insurance cost for the model is $1,528, but this may vary by provider.

GEICO is the cheapest car insurance company for this model, costing $1,293 on average. Allstate is the most expensive, with a cost of $1918. Choosing GEICO as your insurer over Allstate, therefore, can save you about $624 per year.

The Average Annual Cost of Audi A4 Insurance by Company

MoneyGeek used a sample driver profile to derive the average rates. In this case, prices represent a comprehensive and collision insurance policy that includes 100/300/100 liability coverage.

The Average Cost to Insure a Audi A4 by Company

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Is a Audi A4 Expensive to Insure?

Insurance companies consider several factors when determining car insurance rates for specific models. Models that tend to be high in value, have higher repair costs and more theft cases attract higher insurance rates.

Typically, Audi A4 owners pay higher rates for car insurance because of the above-mentioned reasons. This is because the Audi A4 is a moderately expensive car model.

The Best Car Insurance Company for a Audi A4

When shopping around for Audi A4 insurance quotes, you’ll want to consider factors other than cost. MoneyGeek’s scoring system utilizes factors like customer complaints, financial stability, customer satisfaction and affordability to rank insurance providers.

According to the scores, USAA is the best car insurance company for Audi A4 drivers. However, its policies are limited to former and current military members together with their families. The second-best company for the Audi A4 is GEICO.


1
USAA
Score:97

4.8/5

Affordability

4.5/5

Claims Ratings

5/5

User Satisfaction

5/5

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3.5/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

3
State Farm
Score:85

4.4/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

5/5

Financial Stability

4
Progressive
Score:84

4.5/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

5
Allstate
Score:69

3/5

Affordability

4.5/5

Claims Ratings

3/5

User Satisfaction

4.5/5

Financial Stability

How Much It Costs to Insure a Audi A4 by Model Year

As a car’s value depreciates, its comprehensive and collision insurance costs also decrease. For example, the average cost of insurance for a 2005 Audi A4 is $1,068 per year, $705 less than a 2020 model.

Some companies offer lower rates than others based on the model year. The company charging the lowest rates for a 2020 Audi A4 is GEICO, at $1,444 per year. You can choose your model year below to see how much different companies will charge since the costs vary depending on the year.

The Average Cost to Insure a Audi A4 by Model Year

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  • Company
    Average Annual Rates (2020 model)
    Average Annual Rates (2019 model)
    Average Annual Rates (2018 model)
    Average Annual Rates (2017 model)
    Average Annual Rates (2016 model)
    Average Annual Rates (2010 model)
    Average Annual Rates (2005 model)
  • 1.
    $1,444
    $1,442
    $1,528
    $1,375
    $1,359
    $1,010
    $896
  • 2.
    $1,636
    $1,433
    $1,491
    $1,447
    $1,388
    $1,085
    $921
  • 3.
    $1,672
    $1,665
    $1,594
    $1,565
    $1,507
    $1,248
    $972
  • 4.
    $1,655
    $1,618
    $1,596
    $1,598
    $1,513
    $1,277
    $1,032
  • 5.
    $1,628
    $1,714
    $1,567
    $1,584
    $1,593
    $1,487
    $1,262

How Expensive Is It to Insure a Audi A4 Compared to Other Cars?

Audi A4 insurance rates are slightly higher than what owners of other car models pay for insurance. The average cost to insure Audi A4 is $1528 per year. This is lower than luxury cars such as Tesla but higher than the $1,427 average for all the models.

How Much It Costs to Insure a Audi A4 for 16- to 25-Year-Olds

Younger drivers pay higher car insurance costs for the Audi A4 and other car models due to inexperience. An 18-year old Audi A4 driver pays an average of $4,988 per year for car insurance, which is about $3,460 more than the average 40-year old driver pays.

Below is the cost of car insurance for drivers between the age of 16 and 25.

Parents can save money by including teen drivers in their policy. Teens tend to pay higher premiums if they purchase car insurance policies independently.

The Average Cost to Insure a Audi A4 by Driver Age

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  • Age
    Average Annual Rates
  • 16
    $6,395
  • 17
    $5,665
  • 18
    $4,988
  • 19
    $3,573
  • 20
    $3,189
  • 21
    $2,524
  • 22
    $2,325
  • 23
    $2,128
  • 24
    $1,997
  • 25
    $1,812
  • 40
    $1,528

How Does Location Affect the Cost of Audi A4 Insurance?

The costs listed on this page are based on a national average and will vary depending on where you live. You can find out more about the average cost of car insurance in your state using the MoneyGeek state page analysis.

FAQs About Audi A4 Insurance

One of the factors that can have a big effect on the cost of car insurance is the model of your car. Below are some of the frequently asked questions about Audi A4 insurance.

Read More About Car Insurance

Methodology

MoneyGeek obtained information about Audi A4 insurance rates using a sample driver. For this case, the driver is a 40-year-old male with a full-coverage policy that includes:

  • $100,000 in bodily injury liability insurance per person
  • $300,000 in bodily injury liability insurance per accident
  • $100,000 in property damage liability insurance per accident
  • Comprehensive and collision insurance with a $1,000 deductible

The rates are estimated averages which should only serve as a guide while shopping for car insurance since they do not represent exact rates for every driver.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.