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


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Updated: May 20, 2024

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Insurance rates for the Audi A4 can vary based on several factors. For instance, a 40-year-old driver can expect to pay $1,421 to insure a 2009 Audi A4, while a 16-year-old driver would face a higher premium of $6,635. A 40-year-old driver would pay around $1,971 to insure a 2022 Audi A4, whereas a 16-year-old driver would pay a significantly higher premium of $8,982.

MoneyGeek has also rated the best insurers that provide affordable rates while maintaining good customer service and efficient claims processing.

MoneyGeek Logo IconCar Insurance CostsAudi A4
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for an Audi A4.

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These rates were updated to reflect the average cost of car insurance for an Audi A4 as of 2023.

10Companies Compared
 
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring an Audi A4

The average annual cost to insure an Audi A4 is $1,729. However, your choice of insurance company can significantly impact your insurance costs. State Farm offers the cheapest full coverage policy for the Audi A4 at $1,284 per year, while Farmers provides the most expensive at an annual rate of $2,143.

Similarly, State Farm is the cheapest for minimum coverage at $476 per year, while Farmers is the most expensive at $797. The discrepancy in price between providers highlights the importance of shopping around to find the cheapest car insurance.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,284
GEICOAverage Annual Premium$1,376
TravelersAverage Annual Premium$1,571
NationwideAverage Annual Premium$1,597
AllstateAverage Annual Premium$1,848
ProgressiveAverage Annual Premium$1,868
FarmersAverage Annual Premium$2,143

Is an Audi A4 Expensive to Insure?

With an MSRP of $40,870, the Audi A4 is considered moderately expensive to insure relative to other brands and car models. Insurance providers take into account a variety of factors to calculate premiums for an Audi A4. These variables include the make, model, safety features and the driver's record and location. Insurance companies also often charge higher rates to cover vehicles with expensive parts and higher theft rates.

Best Companies for Insuring an Audi A4

While finding a policy that fits your budget is important, the best car insurance providers offer excellent customer service and a smooth claims experience. MoneyGeek’s top-rated insurers for Audi A4 owners include:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,284 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,376 per year)

State Farm's affordability and high customer satisfaction make it an excellent option for Audi A4 owners looking for reliable coverage.

MoneyGeek Top Pick: State Farm

State Farm

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Offers the most affordable rates for Audi A4 owners among the companies in our study

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Second-highest customer satisfaction score

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Provides common coverage options

cons

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Doesn’t offer gap insurance

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Low score for claims handling

COMPANY HIGHLIGHTS

According to the data in our study, State Farm is the best Audi A4 insurance provider. The company provides affordable and reliable auto insurance services for Audi A4 owners with basic add-on coverages that can be useful for most drivers.

State Farm's rental car coverage provides valuable benefits in case of an accident involving a rental vehicle. The company covers up to $500 of your deductible, reducing your out-of-pocket expenses. If the accident happens 50 miles away from your home, State Farm can also reimburse you up to $500 to cover travel expenses, such as accommodation and transportation. This coverage ensures financial support and peace of mind during unexpected incidents.

State Farm's 24-hour roadside assistance is available whenever you encounter road-related difficulties. This valuable add-on covers up to one hour of mechanical labor, towing services, the delivery of gas, oil and batteries as well as tire changes and locksmith labor for up to one hour. You can easily add this coverage to your policy at an affordable cost.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

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Ranked second for affordability

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Third-highest customer satisfaction rating

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Offers accident forgiveness, mechanical breakdown insurance (MBI) and roadside assistance

cons

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Doesn't offer original equipment manufacturer (OEM) coverage or gap insurance

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Low claims management score

COMPANY HIGHLIGHTS

Our runner-up pick, GEICO, offers several additional coverage options to provide added protection for your Audi A4. For instance, its MBI offers greater coverage at a lower price compared to a dealer warranty. MBI covers the repair costs of all parts and systems for new or leased cars less than 15 months old.

Additionally, GEICO offers accident forgiveness. After your first at-fault accident, your insurance rate won't increase with this coverage. You can earn this benefit by driving accident-free for five years or more or purchasing it, if available in your state.

GEICO’s roadside assistance is also helpful in case of unexpected car trouble, providing reliable service to help customers get back on the road without paying out of pocket. It covers the cost of towing, jumpstarts and lockout services.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring an Audi A4 by Model Year

The average annual cost of auto insurance for a 2022 Audi A4 is $1,971, and $1,421 for a 2009 model, which is a difference of $550. This discrepancy is likely due to the newer model's higher value and more advanced technology and safety components, which can increase repair costs. Newer cars are costlier to insure because they have higher theft rates.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2022Average Annual Premium$1,971
2021Average Annual Premium$1,871
2020Average Annual Premium$1,825
2019Average Annual Premium$1,831
2018Average Annual Premium$1,811
2017Average Annual Premium$1,738
2016Average Annual Premium$1,717
2015Average Annual Premium$1,670
2014Average Annual Premium$1,591
2013Average Annual Premium$1,569
2012Average Annual Premium$1,517
2011Average Annual Premium$1,457
2010Average Annual Premium$1,453
2009Average Annual Premium$1,421

Average insurance costs typically vary by provider and model year. State Farm offers the cheapest full coverage policies for both 2009 and 2022 models of the Audi A4, at $936 per year and $1,552 per year, respectively. We always recommend looking into getting quotes from multiple insurers to find the best rate.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,552
NationwideAverage Annual Premium$1,609
TravelersAverage Annual Premium$1,643
GEICOAverage Annual Premium$1,670
ProgressiveAverage Annual Premium$2,182
FarmersAverage Annual Premium$2,478
AllstateAverage Annual Premium$2,655

Cost of Insuring an Audi A4 for 16- to 25-Year-Olds

Car insurance is much more expensive for younger drivers, particularly teens and those in their 20s, compared to adults aged 30 and above. This is primarily attributed to the increased risk of accidents and higher claims frequency associated with younger, less experienced drivers. For instance, Audi A4 insurance costs an average of $7,716 per year for a 16-year-old driver, which is much higher than the average cost of $1,675 per year for a 40-year-old driver with the same car.

While teen car insurance rates tend to decrease with age, costs tend to level out as drivers reach their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$7,716
17Average Annual Premium$6,275
18Average Annual Premium$5,549
19Average Annual Premium$3,854
20Average Annual Premium$3,502
21Average Annual Premium$2,692
22Average Annual Premium$2,493
23Average Annual Premium$2,321
24Average Annual Premium$2,206
25Average Annual Premium$1,983

Including your teenager on your family plan is typically the cheapest way to get teen auto insurance. For a 2022 Audi A4, State Farm offers the cheapest individual plan at $5,033 per year. Progressive charges the most expensive rate at $12,817 per year. To save money, you should shop around and compare rates from multiple insurers to find the cheapest coverage.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2022
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$5,033
NationwideAverage Annual Premium$6,622
TravelersAverage Annual Premium$6,883
GEICOAverage Annual Premium$7,759
AllstateAverage Annual Premium$11,375
FarmersAverage Annual Premium$12,096
ProgressiveAverage Annual Premium$12,817

How Does Location Affect the Cost of Audi A4 Insurance?

Car insurance costs are influenced by various factors, such as the driver's age, the type and model year of their car and their geographical location. The least expensive car insurance company varies by state. Idaho has the lowest average premiums at $299, and Florida has the highest at $1,058 per year. If you're looking to insure your Audi A4, we recommend getting quotes from the cheapest insurers in your state to get the best price.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73
District of ColumbiaCheapest CompanyGEICOAnnual Premium$662Monthly Premium$55
FloridaCheapest CompanyState FarmAnnual Premium$1,058Monthly Premium$88
GeorgiaCheapest CompanyCountry FinancialAnnual Premium$665Monthly Premium$55
HawaiiCheapest CompanyGEICOAnnual Premium$565Monthly Premium$47
IdahoCheapest CompanyAmerican National P&CAnnual Premium$299Monthly Premium$25
IllinoisCheapest CompanyCountry FinancialAnnual Premium$663Monthly Premium$55
IndianaCheapest CompanyAmerican FamilyAnnual Premium$555Monthly Premium$46
IowaCheapest CompanyState FarmAnnual Premium$509Monthly Premium$42
KansasCheapest CompanyNationwideAnnual Premium$670Monthly Premium$56
KentuckyCheapest CompanyNationwideAnnual Premium$790Monthly Premium$66
LouisianaCheapest CompanyLouisiana Farm BureauAnnual Premium$1,048Monthly Premium$87
MaineCheapest CompanyConcord GroupAnnual Premium$521Monthly Premium$43
MarylandCheapest CompanyProgressiveAnnual Premium$938Monthly Premium$78
MassachusettsCheapest CompanyState FarmAnnual Premium$483Monthly Premium$40
MichiganCheapest CompanyGEICOAnnual Premium$898Monthly Premium$75
MinnesotaCheapest CompanyState FarmAnnual Premium$797Monthly Premium$66
MississippiCheapest CompanyDirect General InsuranceAnnual Premium$723Monthly Premium$60
MissouriCheapest CompanyNationwideAnnual Premium$909Monthly Premium$76
MontanaCheapest CompanyProgressiveAnnual Premium$437Monthly Premium$36
NebraskaCheapest CompanyAmerican National P&CAnnual Premium$405Monthly Premium$34
NevadaCheapest CompanyCSAAAnnual Premium$940Monthly Premium$78
New HampshireCheapest CompanyState FarmAnnual Premium$540Monthly Premium$45
New JerseyCheapest CompanyPlymouth Rock AssuranceAnnual Premium$895Monthly Premium$75
New MexicoCheapest CompanyState FarmAnnual Premium$644Monthly Premium$54
New YorkCheapest CompanyKemperAnnual Premium$781Monthly Premium$65
North CarolinaCheapest CompanyErieAnnual Premium$630Monthly Premium$52
North DakotaCheapest CompanyAmerican FamilyAnnual Premium$616Monthly Premium$51
OhioCheapest CompanyNationwideAnnual Premium$485Monthly Premium$40
OklahomaCheapest CompanyState FarmAnnual Premium$662Monthly Premium$55
OregonCheapest CompanyState FarmAnnual Premium$706Monthly Premium$59
PennsylvaniaCheapest CompanyNationwideAnnual Premium$580Monthly Premium$48
Rhode IslandCheapest CompanyState FarmAnnual Premium$700Monthly Premium$58
South CarolinaCheapest CompanyAmerican National P&CAnnual Premium$463Monthly Premium$39
South DakotaCheapest CompanyAllstateAnnual Premium$746Monthly Premium$62
TennesseeCheapest CompanyState FarmAnnual Premium$579Monthly Premium$48
TexasCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
UtahCheapest CompanyNationwideAnnual Premium$725Monthly Premium$60
VermontCheapest CompanyState FarmAnnual Premium$493Monthly Premium$41
VirginiaCheapest CompanyAmerican FamilyAnnual Premium$601Monthly Premium$50
WashingtonCheapest CompanyPEMCOAnnual Premium$534Monthly Premium$44
West VirginiaCheapest CompanyErieAnnual Premium$784Monthly Premium$65
WisconsinCheapest CompanyGEICOAnnual Premium$556Monthly Premium$46
WyomingCheapest CompanyState FarmAnnual Premium$745Monthly Premium$62

Frequently Asked Questions About Audi A4 Insurance

When shopping for Audi A4 insurance, it's completely normal to have questions about costs, coverage options and a provider's customer service quality. To assist you, we've addressed some commonly asked questions.

What company has the cheapest car insurance for an Audi A4?
What company offers the best car insurance for an Audi A4?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.