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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.