Insurance premiums for an Audi A4 average $177 monthly for full coverage and $91 for minimum coverage. Trim and model year determine your actual cost, which runs $52 to $292 monthly.
Audi A4 Insurance Cost
Updated: January 22, 2026
Key Takeaways
GEICO offers the most affordable Audi A4 insurance on average. Full coverage costs range from $140 to $297 monthly depending on model year and insurer. A4 owners pay around $180 monthly for comprehensive protection. Read more
The A4 ranks 90th out of 199 sedans for insurance affordability. Sedans usually cost less to insure than SUVs and trucks due to better safety ratings and lower repair costs, making the A4 affordable overall. Read more
Your A4's model year changes your insurance rates, especially when adding a teen driver. Get personalized quotes for accurate pricing on your situation. Read more on the rates by company for specific A4 model years and ages.
How Much Is Audi A4 Insurance?
| Audi A4 | $91 | $177 |
Need rates for another Audi? Read more about the cost of Audi car insurance models.
Monthly premiums for Audi A4 insurance range from $67 for older models to $262 for the newest ones. Newer A4s cost more to insure because they have higher fair market values. Older models have depreciated and cost less.
Insurance costs for an Audi A4 change by model year and company. Full coverage goes from $140 monthly with Travelers to $297 with AIG, while minimum coverage ranges from $67 with GEICO to $145 with UAIC.
Shop multiple insurers since minimum coverage varies by $78 and full coverage by $157. Each company calculates A4 risk differently, changing your final quote.
| AAA | $101 | $210 |
| AIG | $122 | $297 |
| Allstate | $123 | $238 |
| Amica | $118 | $240 |
| Chubb | $117 | $230 |
| Farmers | $129 | $227 |
| Geico | $67 | $145 |
| Kemper | $84 | $172 |
| Nationwide | $100 | $174 |
| Progressive | $90 | $169 |
| State Farm | $83 | $173 |
| The Hartford | $87 | $148 |
| Travelers | $76 | $140 |
| UAIC | $145 | $180 |
Is Audi A4 Expensive to Insure?
The Audi A4 ranks 90th out of 199 sedans for insurance affordability. It costs about the same as an Audi A8 and slightly less than a Buick Regal Tour X, with 89 sedan models costing less to insure.
Sedans usually cost more to insure than other vehicles, but the A4 bucks that trend. At 299th out of 827 total vehicles, it lands in the top half for affordability across all car types. The Saturn S-Series has the cheapest sedan insurance, while the Cadillac CTS-V costs the most.
| Mercedes E-Class | $128 | 87 |
| Hyundai Equus | $129 | 88 |
| Kia K9 | $129 | 89 |
| Audi A4 | $129 | 90 |
| Audi A8 | $129 | 90 |
| Buick Regal Tour X | $129 | 91 |
| Buick Regal Sportback | $130 | 92 |
| Lincoln Continental | $130 | 93 |
Three things drive your A4 insurance costs:
- Average Repair or Replacement Costs: The A4's maintenance runs $1,297 yearly on average, making it the fifth cheapest Audi to maintain out of 33 models.
- Vehicle Trim, Features and Accessories: Performance trims cost far more to insure because they pack more horsepower. The A4 delivers 201 to 349 horsepower depending on the trim. More power means higher premiums.
- Driver Profile: Most A4 drivers are 35 to 45, an age range that usually gets lower rates. But insurers see the A4 as a performance car that attracts aggressive drivers. Read more about the costs of Audi A4s for young drivers.
Audi A4 Costs by Model Year and Driver Age by Insurance Company
Model year changes your Audi A4 insurance costs. Newer vehicles cost much more than older ones. A 35- to 55-year-old driver pays $287 monthly for full coverage on a 2025 Audi A4, while a 2016 model costs just $198 per month. Young drivers in their teens and early 20s pay higher rates across all model years.
Travelers offers the lowest rates across all Audi A4 model years and saves you hundreds monthly compared to average costs.
• 2025 Audi A4 Insurance Rates
• 2024 Audi A4 Insurance Rates
• 2023 Audi A4 Insurance Rates
• 2022 Audi A4 Insurance Rates
• 2021 Audi A4 Insurance Rates
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Audi A4
| Geico | $105 | $231 |
| Travelers | $110 | $203 |
| National General | $111 | $227 |
| Progressive | $123 | $231 |
| The Hartford | $124 | $211 |
| State Farm | $128 | $268 |
| Kemper | $132 | $270 |
| Nationwide | $140 | $243 |
| AAA | $150 | $312 |
| Amica | $169 | $348 |
| Allstate | $172 | $331 |
| Chubb | $184 | $368 |
| AIG | $184 | $463 |
| UAIC | $190 | $240 |
| Farmers | $199 | $353 |
2025 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $1,007 | $886 | $783 | $677 | $598 | $508 | $461 | $412 | $377 | $332 |
| Nationwide | $1,099 | $1,008 | $927 | $787 | $665 | $431 | $400 | $373 | $353 | $316 |
| Travelers | $1,195 | $866 | $684 | $529 | $467 | $347 | $317 | $293 | $270 | $234 |
| Geico | $1,307 | $955 | $803 | $585 | $502 | $406 | $374 | $309 | $292 | $265 |
| Allstate | $1,584 | $1,240 | $999 | $738 | $661 | $515 | $467 | $441 | $415 | $368 |
| Progressive | $1,672 | $1,354 | $1,123 | $626 | $546 | $441 | $393 | $351 | $323 | $277 |
| Farmers | $2,200 | $1,630 | $1,450 | $906 | $855 | $650 | $578 | $553 | $526 | $442 |
Cost of Car Insurance for 2024 Audi A4
| Geico | $100 | $218 |
| Travelers | $104 | $192 |
| National General | $105 | $215 |
| Progressive | $117 | $218 |
| The Hartford | $117 | $200 |
| State Farm | $121 | $253 |
| Kemper | $125 | $256 |
| Nationwide | $132 | $230 |
| AAA | $142 | $295 |
| Amica | $160 | $329 |
| Allstate | $162 | $313 |
| Chubb | $174 | $348 |
| AIG | $175 | $438 |
| UAIC | $180 | $227 |
| Farmers | $188 | $335 |
2024 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $953 | $838 | $741 | $641 | $566 | $481 | $437 | $390 | $357 | $314 |
| Nationwide | $1,041 | $954 | $877 | $745 | $629 | $408 | $379 | $353 | $334 | $299 |
| Travelers | $1,131 | $820 | $648 | $501 | $442 | $328 | $300 | $277 | $256 | $222 |
| Geico | $1,237 | $904 | $761 | $553 | $475 | $384 | $354 | $292 | $277 | $251 |
| Allstate | $1,500 | $1,174 | $946 | $699 | $626 | $488 | $442 | $417 | $393 | $348 |
| Progressive | $1,583 | $1,281 | $1,063 | $593 | $517 | $417 | $372 | $332 | $306 | $262 |
| Farmers | $2,083 | $1,543 | $1,372 | $857 | $809 | $615 | $547 | $524 | $498 | $419 |
Cost of Car Insurance for 2023 Audi A4
| Geico | $70 | $153 |
| Travelers | $73 | $135 |
| National General | $74 | $151 |
| Progressive | $82 | $153 |
| The Hartford | $82 | $141 |
| State Farm | $85 | $178 |
| Kemper | $88 | $180 |
| Nationwide | $93 | $162 |
| AAA | $100 | $207 |
| Amica | $113 | $231 |
| Allstate | $114 | $220 |
| Chubb | $122 | $244 |
| AIG | $123 | $308 |
| UAIC | $126 | $159 |
| Farmers | $132 | $235 |
2023 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $669 | $589 | $521 | $450 | $397 | $338 | $307 | $274 | $251 | $221 |
| Nationwide | $731 | $670 | $616 | $523 | $442 | $287 | $266 | $248 | $235 | $210 |
| Travelers | $795 | $576 | $455 | $352 | $310 | $231 | $211 | $195 | $180 | $156 |
| Geico | $869 | $635 | $534 | $389 | $334 | $270 | $249 | $205 | $194 | $176 |
| Allstate | $1,053 | $824 | $664 | $491 | $439 | $343 | $311 | $293 | $276 | $244 |
| Progressive | $1,112 | $900 | $747 | $416 | $363 | $293 | $261 | $233 | $215 | $184 |
| Farmers | $1,463 | $1,083 | $964 | $602 | $568 | $432 | $384 | $368 | $350 | $294 |
Cost of Car Insurance for 2022 Audi A4
| Geico | $109 | $239 |
| National General | $187 | $383 |
| The Hartford | $190 | $325 |
| State Farm | $201 | $419 |
| Kemper | $201 | $400 |
| Travelers | $221 | $415 |
| AAA | $241 | $500 |
| Allstate | $244 | $481 |
| Progressive | $250 | $470 |
| Nationwide | $281 | $486 |
| Amica | $282 | $579 |
| UAIC | $292 | $371 |
| Farmers | $307 | $546 |
| AIG | $330 | $849 |
| Chubb | $345 | $690 |
2022 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $615 | $541 | $478 | $413 | $365 | $310 | $282 | $252 | $230 | $203 |
| Nationwide | $671 | $616 | $566 | $481 | $406 | $263 | $244 | $228 | $215 | $193 |
| Travelers | $730 | $529 | $418 | $323 | $285 | $212 | $194 | $179 | $165 | $143 |
| Geico | $798 | $583 | $491 | $357 | $306 | $248 | $229 | $189 | $179 | $162 |
| Allstate | $968 | $757 | $610 | $451 | $404 | $315 | $285 | $269 | $254 | $225 |
| Progressive | $1,021 | $827 | $686 | $382 | $334 | $269 | $240 | $214 | $197 | $169 |
| Farmers | $1,344 | $995 | $885 | $553 | $522 | $397 | $353 | $338 | $321 | $270 |
Cost of Car Insurance for 2021 Audi A4
| Geico | $57 | $125 |
| Travelers | $60 | $111 |
| National General | $60 | $124 |
| Progressive | $67 | $125 |
| The Hartford | $67 | $115 |
| State Farm | $69 | $146 |
| Kemper | $72 | $147 |
| Nationwide | $76 | $132 |
| AAA | $82 | $170 |
| Amica | $92 | $189 |
| Allstate | $93 | $180 |
| Chubb | $100 | $200 |
| AIG | $100 | $252 |
| UAIC | $103 | $130 |
| Farmers | $108 | $192 |
2021 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $548 | $482 | $426 | $368 | $325 | $276 | $251 | $224 | $205 | $181 |
| Nationwide | $598 | $548 | $504 | $428 | $362 | $235 | $218 | $203 | $192 | $172 |
| Travelers | $650 | $471 | $372 | $288 | $254 | $189 | $172 | $159 | $147 | $127 |
| Geico | $711 | $520 | $437 | $318 | $273 | $221 | $204 | $168 | $159 | $144 |
| Allstate | $862 | $675 | $544 | $402 | $360 | $280 | $254 | $240 | $226 | $200 |
| Progressive | $910 | $737 | $611 | $341 | $297 | $240 | $214 | $191 | $176 | $151 |
| Farmers | $1,197 | $887 | $789 | $493 | $465 | $354 | $315 | $301 | $286 | $241 |
Cost of Car Insurance for 2020 Audi A4
| Geico | $53 | $115 |
| Travelers | $55 | $102 |
| National General | $55 | $114 |
| Progressive | $62 | $115 |
| The Hartford | $62 | $106 |
| State Farm | $64 | $134 |
| Kemper | $66 | $135 |
| Nationwide | $70 | $121 |
| AAA | $75 | $156 |
| Amica | $85 | $174 |
| Allstate | $86 | $165 |
| Chubb | $92 | $184 |
| AIG | $92 | $231 |
| UAIC | $95 | $120 |
| Farmers | $99 | $177 |
2020 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $503 | $442 | $391 | $338 | $299 | $254 | $230 | $206 | $188 | $166 |
| Nationwide | $549 | $504 | $463 | $393 | $332 | $215 | $200 | $186 | $176 | $158 |
| Travelers | $597 | $433 | $342 | $264 | $233 | $173 | $158 | $146 | $135 | $117 |
| Geico | $653 | $477 | $401 | $292 | $251 | $203 | $187 | $154 | $146 | $132 |
| Allstate | $791 | $619 | $499 | $369 | $330 | $257 | $233 | $220 | $208 | $184 |
| Progressive | $835 | $676 | $561 | $313 | $273 | $220 | $196 | $175 | $161 | $138 |
| Farmers | $1,099 | $814 | $724 | $452 | $427 | $325 | $289 | $276 | $263 | $221 |
Cost of Car Insurance for 2019 Audi A4
| Geico | $82 | $179 |
| National General | $86 | $176 |
| Travelers | $91 | $169 |
| State Farm | $99 | $208 |
| Progressive | $101 | $189 |
| The Hartford | $102 | $173 |
| Kemper | $106 | $218 |
| Nationwide | $116 | $202 |
| AAA | $127 | $263 |
| Chubb | $130 | $260 |
| Amica | $134 | $274 |
| UAIC | $141 | $176 |
| Allstate | $142 | $276 |
| AIG | $152 | $378 |
| Farmers | $156 | $272 |
2019 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $780 | $687 | $607 | $524 | $463 | $393 | $358 | $319 | $292 | $257 |
| Nationwide | $913 | $835 | $769 | $653 | $552 | $358 | $332 | $310 | $293 | $262 |
| Travelers | $1,001 | $726 | $574 | $444 | $393 | $289 | $264 | $244 | $226 | $194 |
| Geico | $1,011 | $738 | $621 | $452 | $388 | $314 | $290 | $240 | $227 | $206 |
| Allstate | $1,326 | $1,039 | $834 | $613 | $549 | $430 | $389 | $367 | $346 | $306 |
| Progressive | $1,381 | $1,116 | $926 | $513 | $448 | $362 | $323 | $288 | $265 | $228 |
| Farmers | $1,668 | $1,240 | $1,105 | $700 | $663 | $507 | $449 | $431 | $408 | $343 |
Cost of Car Insurance for 2018 Audi A4
| Geico | $76 | $165 |
| National General | $80 | $164 |
| Travelers | $88 | $163 |
| State Farm | $94 | $196 |
| Kemper | $98 | $201 |
| The Hartford | $98 | $167 |
| Progressive | $100 | $187 |
| Nationwide | $110 | $191 |
| Chubb | $119 | $238 |
| AAA | $120 | $250 |
| Amica | $126 | $257 |
| Allstate | $134 | $259 |
| UAIC | $138 | $171 |
| AIG | $141 | $349 |
| Farmers | $148 | $258 |
2018 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $736 | $647 | $572 | $494 | $436 | $371 | $337 | $301 | $275 | $243 |
| Nationwide | $866 | $792 | $729 | $619 | $523 | $339 | $315 | $294 | $277 | $248 |
| Geico | $932 | $681 | $572 | $416 | $358 | $289 | $267 | $221 | $209 | $189 |
| Travelers | $969 | $702 | $555 | $429 | $379 | $279 | $255 | $235 | $218 | $188 |
| Allstate | $1,244 | $975 | $783 | $576 | $516 | $403 | $366 | $345 | $325 | $287 |
| Progressive | $1,367 | $1,104 | $916 | $508 | $443 | $358 | $319 | $285 | $262 | $225 |
| Farmers | $1,581 | $1,177 | $1,049 | $665 | $629 | $482 | $426 | $409 | $388 | $326 |
Cost of Car Insurance for 2017 Audi A4
| Geico | $69 | $150 |
| National General | $73 | $150 |
| Travelers | $88 | $163 |
| State Farm | $90 | $188 |
| Kemper | $90 | $186 |
| The Hartford | $93 | $158 |
| Progressive | $99 | $186 |
| Nationwide | $104 | $181 |
| Chubb | $112 | $223 |
| Amica | $115 | $236 |
| AAA | $119 | $247 |
| AIG | $126 | $310 |
| UAIC | $134 | $165 |
| Allstate | $146 | $282 |
| Farmers | $150 | $262 |
2017 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $707 | $622 | $551 | $475 | $420 | $357 | $324 | $290 | $265 | $233 |
| Nationwide | $821 | $750 | $691 | $586 | $496 | $321 | $298 | $278 | $263 | $235 |
| Geico | $847 | $619 | $520 | $378 | $325 | $263 | $242 | $200 | $190 | $172 |
| Travelers | $978 | $706 | $558 | $430 | $380 | $279 | $255 | $236 | $218 | $188 |
| Progressive | $1,357 | $1,095 | $909 | $505 | $440 | $356 | $317 | $283 | $261 | $224 |
| Allstate | $1,369 | $1,070 | $856 | $627 | $562 | $440 | $399 | $376 | $353 | $313 |
| Farmers | $1,603 | $1,198 | $1,066 | $676 | $639 | $490 | $434 | $416 | $395 | $331 |
Cost of Car Insurance for 2016 Audi A4
| Geico | $69 | $149 |
| National General | $70 | $144 |
| Travelers | $81 | $151 |
| State Farm | $90 | $187 |
| Progressive | $95 | $178 |
| Kemper | $97 | $200 |
| The Hartford | $98 | $168 |
| Chubb | $107 | $212 |
| Amica | $109 | $223 |
| AAA | $111 | $229 |
| Nationwide | $111 | $192 |
| Allstate | $112 | $215 |
| AIG | $129 | $318 |
| Farmers | $132 | $231 |
| UAIC | $141 | $174 |
2016 Audi A4 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $702 | $618 | $547 | $472 | $417 | $354 | $322 | $288 | $263 | $231 |
| Geico | $839 | $613 | $515 | $374 | $322 | $260 | $240 | $199 | $188 | $171 |
| Nationwide | $872 | $799 | $735 | $624 | $527 | $342 | $317 | $295 | $279 | $250 |
| Travelers | $894 | $648 | $513 | $396 | $350 | $257 | $235 | $218 | $201 | $173 |
| Allstate | $1,041 | $815 | $653 | $478 | $429 | $336 | $304 | $287 | $270 | $239 |
| Progressive | $1,299 | $1,047 | $868 | $482 | $421 | $340 | $303 | $270 | $249 | $214 |
| Farmers | $1,426 | $1,059 | $943 | $592 | $559 | $426 | $379 | $363 | $345 | $290 |
Audi A4 Insurance Cost by Trim
Insurance costs for your Audi A4 range from $52 monthly for minimum coverage on basic 40 Premium Sedan 4d models to $292 for full coverage on high-performance Allroad Prestige variants. Performance features and market value determine where each trim falls in this range.
| 40 Premium Sedan 4d | $52 | $102 |
| 45 Premium Sedan 4d | $59 | $115 |
| 40 Premium Plus Sedan 4d | $60 | $117 |
| 45 Premium Plus Sedan 4d | $63 | $123 |
| 3.2 Quattro Special Edition Cabriolet 2d | $66 | $127 |
| 40 Prestige Sedan 4d | $69 | $134 |
| 3.2 Quattro Cabriolet 2d | $69 | $134 |
| 40 Tfsi Premium Sedan 4d | $70 | $137 |
| 40 Tfsi Premium Plus Sedan 4d | $72 | $140 |
| 2.0t Special Edition Cabriolet 2d | $72 | $138 |
| S Line 45 Tfsi Premium Sedan 4d | $72 | $141 |
| 2.0t Quattro Cabriolet 2d | $73 | $141 |
| 45 Prestige Sedan 4d | $73 | $143 |
| 2.0t Cabriolet 2d | $74 | $143 |
| Sedan 4d | $74 | $143 |
| 2.0t Quattro Premium Sedan 4d | $75 | $144 |
| 2.0t Premium Sedan 4d | $75 | $144 |
| 2.0t Avant Quattro Premium Wagon 4d | $75 | $145 |
| 3.2 Sedan 4d | $75 | $146 |
| 2.0t Quattro Sedan 4d | $76 | $147 |
| 3.2 Quattro Sedan 4d | $76 | $148 |
| S Line 45 Tfsi Premium Plus Sedan 4d | $77 | $150 |
| 3.2 Avant Quattro Wagon 4d | $78 | $151 |
| 2.0t Sedan 4d | $79 | $152 |
| 2.0t Avant Quattro Wagon 4d | $79 | $153 |
| 2.0t Quattro Special Edition Cabriolet 2d | $81 | $156 |
| S Line 45 Tfsi Prestige Sedan 4d | $86 | $169 |
| 40 Tfsi Prestige Sedan 4d | $87 | $170 |
| Premium Sedan 4d | $90 | $175 |
| 1.8t Sedan 4d | $90 | $174 |
| Premium Plus Sedan 4d | $90 | $176 |
| Allroad Premium Wagon 4d | $91 | $178 |
| Prestige Sedan 4d | $92 | $178 |
| Ultra Premium Sedan 4d | $92 | $178 |
| Ultra Premium Plus Sedan 4d | $92 | $179 |
| Avant Wagon 4d | $96 | $185 |
| 3.0 Sedan 4d | $96 | $185 |
| Allroad Premium Plus Wagon 4d | $96 | $188 |
| 1.8t Quattro Sedan 4d | $97 | $186 |
| 1.8t Cabriolet 2d | $99 | $191 |
| (2005.5) 2.0t Sedan 4d | $99 | $192 |
| Allroad Prestige Wagon 4d | $100 | $195 |
| 3.0 Convertible 2d | $100 | $192 |
| 1.8t Convertible 2d | $102 | $196 |
| 3.0 Cabriolet 2d | $104 | $201 |
| 3.0 Quattro Cabriolet 2d | $106 | $205 |
| 1.8t Avant Quattro Wagon 4d | $106 | $205 |
| 3.0 Quattro Sedan 4d | $107 | $206 |
| Titanium Premium Sedan 4d | $108 | $210 |
| 40 Tfsi Premium | $108 | $211 |
| (2005.5) 2.0t Quattro Sedan 4d | $110 | $211 |
| (2005.5) 3.2 Sedan 4d | $115 | $222 |
| S Line 45 Tfsi Premium | $116 | $227 |
| Ultra Prestige Sedan 4d | $119 | $231 |
| 40 Tfsi Premium Plus | $120 | $235 |
| (2005.5) 2.0t Avant Quattro Wagon 4d | $121 | $233 |
| Allroad Premium | $127 | $247 |
| S Line 45 Tfsi Premium Plus | $127 | $248 |
| 3.0 Avant Quattro Wagon 4d | $127 | $246 |
| 40 Tfsi Prestige | $133 | $260 |
| (2005.5) 3.2 Avant Quattro Wagon 4d | $136 | $262 |
| S Line 45 Tfsi Prestige | $136 | $266 |
| Allroad Premium Plus | $138 | $269 |
| Allroad Prestige | $150 | $292 |
Audi A4 Insurance Cost by State
Audi A4 insurance costs range from $38 monthly in Wyoming to $178 in Louisiana for minimum coverage, depending on where you live. Your state's risk characteristics and insurance regulations create these price differences, not the vehicle itself.
| Alabama | $77 | $145 |
| Alaska | $68 | $144 |
| Arizona | $104 | $194 |
| Arkansas | $72 | $159 |
| California | $88 | $178 |
| Colorado | $85 | $204 |
| Connecticut | $124 | $213 |
| Delaware | $125 | $209 |
| Florida | $110 | $252 |
| Georgia | $132 | $218 |
| Hawaii | $48 | $109 |
| Idaho | $50 | $100 |
| Illinois | $83 | $157 |
| Indiana | $58 | $114 |
| Iowa | $51 | $124 |
| Kansas | $65 | $151 |
| Kentucky | $112 | $190 |
| Louisiana | $178 | $379 |
| Maine | $48 | $99 |
| Maryland | $136 | $230 |
| Massachusetts | $94 | $199 |
| Michigan | $136 | $264 |
| Minnesota | $76 | $158 |
| Mississippi | $79 | $156 |
| Missouri | $105 | $209 |
| Montana | $68 | $162 |
| Nebraska | $67 | $152 |
| Nevada | $150 | $271 |
| New Hampshire | $64 | $113 |
| New Jersey | $145 | $239 |
| New Mexico | $74 | $164 |
| New York | $103 | $186 |
| North Carolina | $73 | $143 |
| North Dakota | $57 | $124 |
| Ohio | $68 | $132 |
| Oklahoma | $83 | $185 |
| Oregon | $103 | $180 |
| Pennsylvania | $79 | $185 |
| Rhode Island | $112 | $200 |
| South Carolina | $87 | $163 |
| South Dakota | $51 | $160 |
| Tennessee | $72 | $145 |
| Texas | $113 | $231 |
| Utah | $94 | $159 |
| Vermont | $42 | $101 |
| Virginia | $85 | $138 |
| Washington | $80 | $150 |
| West Virginia | $81 | $166 |
| Wisconsin | $59 | $129 |
| Wyoming | $38 | $116 |
How to Lower the Cost of Audi A4 Insurance
Here's how you'll find better rates on your Audi A4 insurance:
- 1Choose the right coverage
Figure out how much coverage to buy for your Audi A4. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Buy 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Check average auto insurance costs for performance sedans. You'll find the cheapest car insurance companies faster when you know the going rate for your A4.
- 3Look for more than just low rates
Reliable car insurance requires looking beyond price quotes. Check J.D. Power satisfaction ratings, read forum discussions about claims processing, review Better Business Bureau complaints and verify AM Best financial stability. Budget options might offer limited coverage or slower service when you need claims assistance.
- 4Explore discounts you qualify for
Claim car insurance discounts that apply to your situation. Audi A4 owners often qualify for safety features discounts, good driver rewards, bundling savings when combining auto and home policies, and anti-theft device discounts for factory security systems.
- 5Consider alternative car insurance types
Audi A4 owners benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These options track safe driving habits and deliver premium reductions based on your actual driving behavior rather than demographic factors.
- 6Check rates every year
Get quotes from multiple car insurance companies annually. Insurers won't tell you when competitors drop prices. Yearly shopping saves A4 owners up to 24% through better rates or coverage.
Audi A4 Insurance Cost: Bottom Line
Audi A4 insurance runs average in cost, but you can still secure decent rates. Shopping multiple insurers and claiming available discounts helps you find better pricing for your coverage.
Audi A4 Insurance Rates: FAQ
What is the average cost of car insurance for an Audi A4?
Audi A4 insurance costs $1,097 annually for state minimum coverage and $2,130 for full coverage. Monthly premiums average $91 for minimum and $177 for comprehensive protection.
What company has the cheapest car insurance for an Audi A4?
GEICO provides the most affordable minimum coverage for an Audi A4 at $804 annually. Travelers offers the best value for full coverage at $1,679 per year.
Are Audi A4s expensive to insure?
No, Audi A4 insurance isn't more expensive than most vehicles. Among sedans, this model places 90th out of 199 for affordability, while ranking 299th out of 827 total vehicles we track.
What factors affect insurance costs for Audi A4s?
Premium parts and advanced technology make A4 repairs expensive. Luxury vehicles see higher theft rates that concern insurers. The A4's safety features lower premiums somewhat. Your driving record, credit score and coverage selection also change your rates.
How can I lower Audi A4 insurance costs?
Compare quotes from several insurers since Audi A4 pricing differs between companies, and explore usage-based programs that monitor safe driving. Claim available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Audi A4 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Audi A4 insurance costs.
Who We Based These Rates On
These Audi A4 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.