Audi A4 insurance costs average $91 monthly for minimum coverage and $177 per month for full coverage. Depending on your particular trim and model year, costs can range from $52 for a 2020 Audi A4 to $293 monthly for a 2025 Audi A4.
Audi A4 Insurance Cost
Updated: September 25, 2025
Key Takeaways
Monthly premiums for a 2025 Audi A4 range from $89 to $293 depending on your chosen coverage level and specific trim package.
The Audi A4 ranks 299th out of 827 vehicle models for insurance affordability in the United States vehicle market through 2025.
Travelers offers the most affordable full coverage for Audi A4 drivers at $140 monthly, while minimum coverage policies start at just $67 per month.
How Much Is Audi A4 Insurance?
| Audi A4 | $91 | $177 |
Audi A4 Insurance Cost by Model Year
Your Audi A4's model year and available trims directly impact your insurance rates, with newer models costing more due to higher fair values. Monthly premiums for A4 coverage span from $67 for older models to $262 for the newest years, giving you a clear range for budgeting your insurance costs.
| 2025 | $134 | $262 |
| 2024 | $127 | $248 |
| 2023 | $89 | $174 |
| 2022 | $82 | $160 |
| 2021 | $73 | $143 |
| 2020 | $67 | $131 |
| 2019 | $109 | $213 |
| 2018 | $103 | $201 |
| 2017 | $102 | $199 |
| 2016 | $93 | $181 |
| 2015 | $88 | $171 |
| 2014 | $72 | $139 |
| 2013 | $70 | $135 |
| 2012 | $75 | $146 |
| 2011 | $75 | $144 |
| 2010 | $74 | $143 |
| 2009 | $75 | $145 |
| 2008 | $75 | $146 |
| 2007 | $74 | $143 |
| 2006 | $80 | $154 |
| 2005 | $114 | $219 |
| 2004 | $102 | $198 |
| 2003 | $99 | $192 |
| 2002 | $94 | $181 |
| 2001 | $83 | $160 |
| 2000 | $78 | $151 |
Audi A4 Insurance Cost by Trim
Your Audi A4's trim impacts insurance costs. Rates vary based on your model's features, market value, rarity and desirability among thieves. Monthly premiums range from $52 for basic trims to $292 for high-end variants like the Allroad Prestige, according to our research.
| 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 |
Compare Personalized Audi A4 Insurance Costs
We broke down Audi A4 insurance costs by model year and trim for accurate estimates.
Data filtered by:Results filtered by:
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Model Year:2000
Select
Trim:Sedan 4d
| Sedan 4d | $66 | $128 |
Audi A4 Insurance Cost by Company
Audi A4 insurance costs vary widely between providers, from $106 to $210 monthly. Minimum coverage ranges from $67 to $145, while full coverage costs $140 to $297. Rates vary due to different risk assessment models.
| 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 |
Audi A4 Insurance Cost by State
Audi A4 insurance costs vary dramatically by location, from $38 monthly in Wyoming to $379 in Louisiana.
| 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 |
Audi A4 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, dramatically impacts Audi A4 insurance costs. Young drivers under 25 without violations pay around $340 monthly on average, while adults between 26-64 with clean records pay as little as $134 per month.
| Adult Drivers | $91 | $177 |
| Young Drivers | $233 | $447 |
| Senior Drivers | $122 | $224 |
| Drivers With a Speeding Ticket | $114 | $223 |
| Drivers With an Accident | $135 | $260 |
| Drivers With a DUI | $169 | $324 |
| Drivers With Bad Credit | $219 | $441 |
Is an Audi A4 Expensive to Insure?
You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, an Audi A4 ranks 299th out of 827, making it fall just below average for car insurance. Among compact luxury convertibles, the model ranks as a more affordable option compared to similar vehicles.
Factors That Affect Audi Car Insurance Costs
Several factors affect what you'll pay for Audi A4 insurance coverage:
- Age (51 years median): Mature professionals receive favorable rates with established driving records and insurance history.
- Gender (65% male): Male-dominated ownership of performance luxury sedans with higher risk profiles.
- Income ($100,000+ median): The high-income bracket enables comprehensive coverage options, though the classification of luxury vehicles increases base premiums.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi A4 repair costs average $1,297 annually, making it one of Audi's most affordable models to repair while still contributing to higher than average insurance premiums.
Vehicle Trim, Features and Accessories
The Audi A4's six trim levels offer extensive luxury features that affect insurance premiums. Higher trims include Bang & Olufsen audio, virtual cockpit digital display, ventilated seats and head-up display.
The turbocharged engines (201 to 261 hp) with standard quattro AWD increase complexity and replacement costs compared to FWD mainstream sedans.
Fuel Type
Audi A4s require premium gasoline (91+ octane) for optimal performance due to turbocharged engines and high compression ratios. The turbocharged 2.0L engines demand premium fuel to prevent knocking and maintain full power output.
Premium fuel costs add approximately $300 to $400 annually compared to regular fuel, contributing to higher operating expenses that factor into insurance cost calculations.
Location
Audi A4 owners are concentrated in affluent metropolitan areas and suburban markets with high income demographics. The A4's popularity in luxury car markets correlates with areas of higher insurance costs due to increased vehicle theft rates, collision frequencies and repair costs.
Driver Profile
Most Audi A4 drivers are affluent professionals (average age 51 years) with a median household income exceeding $100,000. This demographic receives moderate to high insurance rates due to luxury vehicle factors.
Driver demographics affect Audi A4 rates:
Cheapest Audi A4 Insurance Companies
A4 drivers looking for comprehensive protection can find the most affordable full coverage car insurance through Travelers, with monthly premiums averaging $140. GEICO offers the cheapest minimum coverage option for A4 owners at $67 per month, making it the top choice for drivers seeking basic liability protection.
| GEICO | $67 | $145 |
| Travelers | $76 | $140 |
| The Hartford | $87 | $148 |
| Kemper | $84 | $172 |
| State Farm | $83 | $173 |
Cheapest Audi A4 Insurance by State
We found that the following are the top three cheapest car insurance providers for an Audi A4:
- Auto-Owners: Most affordable in 13 states
- Travelers: Most affordable in eight states
- GEICO: Most affordable in six states
Filter below to see which company offers the most affordable auto insurance rates for your Audi A4.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Auto Owners | $55 |
How to Get the Best Cheap Audi A4 Insurance
Below we detail the top car insurance discounts available for your Audi A4:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Audi's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the best car insurance for your Audi A4, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Audi A4 owners will qualify for:
- Bundling/Multi-Policy Discount (5% to 25% savings): Audi A4 owners typically represent established professionals who own homes and can bundle auto and homeowners insurance for substantial savings from major carriers. With full coverage averaging $1,654 per year, bundling becomes particularly valuable for luxury sedan owners managing higher insurance costs.
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): A4 owners often own multiple vehicles — perhaps an A4 for daily commuting and an SUV or sports car for weekends. This affluent demographic frequently qualifies for multi-car discounts from virtually all insurers, helping offset the higher costs of insuring luxury vehicles.
- Good Driver/Safe Driver Discount (5% to 30% savings): A4 buyers represent a mature, responsible demographic with clean driving records that qualify them for the largest available discounts. Since this is the biggest discount you can get, maintaining an accident-free record is essential for keeping luxury vehicle insurance costs manageable.
- Safety Features Discount (5% to 23% savings): The 2025 Audi A4 earned IIHS Top Safety Pick+ designation and a 5-star NHTSA overall safety rating. Standard features include Audi pre sense, adaptive cruise assist, lane-keep assist, and automatic high-beam headlights. These cutting-edge safety technologies help you avoid crashes and earn discounts on medical-related coverage.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Many A4 owners are professionals with flexible work arrangements or short commutes, driving fewer miles annually. GEICO's DriveEasy program can save up to 30% for safe drivers, while Nationwide's SmartMiles pay-per-mile program offers savings for low-mileage drivers.
- 5
Consider alternative car insurance types
Audi A4 owners should consider Audi's Insurance program (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi A4 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi A4 Insurance Cost: Bottom Line
Insuring an Audi A4 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi A4 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi A4.
What is the average cost of car insurance for an Audi A4?
The Audi A4's average annual insurance cost is $1,097 for state minimum coverage and $2,130 for full coverage.
What company has the cheapest car insurance for an Audi A4?
GEICO offers the cheapest minimum coverage auto insurance for an Audi A4, with an annual minimum coverage rate of $804. For those looking for full coverage policies, Travelers is the most cost-effective option at $1,680 per year.
Are Audi A4s expensive to insure?
Audi A4 insurance costs more than most cars. Out of 827 vehicles we track, the A4 ranks 299th for affordability, placing it just under the average. Among similar compact luxury convertibles, it ranks on the more affordable end.
What factors affect insurance costs for Audi A4s?
Several things drive up your Audi A4 rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Audi-certified repair shops cost more.
How can I lower Audi A4 insurance costs?
Shop around with multiple insurers as rates vary for Audi models and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's technology features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi A4 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. 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.