How much does it cost to insure an Audi A4?

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The Audi A4 is a luxury compact sports sedan, available in a few configurations, including a sportier S-Line version. Many luxury sports sedan owners understand that there is a tradeoff of reliability for a sporty ride, expecting that their car will be in the shop more often than average. This is not uncommon when you buy a highly-tuned sports machine. However, the A4 sets itself apart from the competition by being one of the most reliable compact sports sedans around.

The lower-than-average time spent at the mechanic may be part of the reason that Bankrate found the annual national average cost of full coverage car insurance for an Audi A4, at just $2,000 a year, is not excessively higher than the national average of $1,674 per year.

Besides reliability, other factors that could affect an Audi A4’s insurance rates include the model’s safety equipment, vehicle age, mileage traveled, level of insurance coverage and a driver’s record. To find the best car insurance rates for your Audi A4, it can help to understand how varying factors about your vehicle could affect your premium.

Models included in this review:
This review focuses solely on the Audi A4 and its varying configurations, which starts at $39,100 for a 2021 base model. Rates included below for comparison purposes reflect quoted annual premiums for a 2019 Audi A4.

How much does it cost to insure an Audi A4?

As mentioned, the average cost of car insurance for an Audi A4 is $2,000 a year for full coverage. This figure — while based on quoted annual premiums — is useful for comparison, but will not reflect your actual rate. There are many factors that could affect your premiums, including the model year, trim level and optional equipment. Here are a few vehicle-related factors that could affect Audi A4 car insurance costs:

  • Crash rate stats per make/model: The Audi A4 is an Insurance Institute for Highway Safety (IIHS) Top Pick, receiving top scores. In addition, 2021 models that include optional safety equipment earned a “superior” rating from the IIHS. Its solid reputation as a safe vehicle in a crash may be a significant reason why insurance premiums for the Audi A4 are lower than average for the vehicle class.
  • Price of parts: Audi is a German luxury-vehicle manufacturer. Parts tend to be pricier than average due to the import costs of parts. Because of this factor, rates may be higher for the Audi A4 compared to a 2019 Toyota Camry, for example, which is used in our Bankrate calculation of national average annual rates.
  • Safety features: Part of the reason the Audi A4 received a high safety rating by the IIHS is the driver assistance and collision-prevention equipment available in newer models. Safety features include standard running daytime headlights and side-mounted, front and rear overhead curtain and driver/passenger knee airbags, as well as optional lane departure warning/prevention and blind-spot detectors.

Car insurance for a Audi A4

While it helps to be aware that your car insurance rates could vary based on personal and vehicle-related factors, the following rates may give you an overview of how much you could expect to pay for annual insurance for minimum and full coverage for an Audi A4.

Full coverage on an Audi A4 is higher than the national average, primarily because it reflects the repair and replacement costs of the vehicle. Audi original parts may be more expensive because they are imported, and in addition, certified technicians that specialize in luxury European models tend to charge higher fees for labor. This means that repairing an Audi after a crash or other covered peril could cost more than average.

Audi A4 car insurance Average annual premium
Minimum coverage $474
Full coverage $2,000

Cheapest car insurance companies for Audi A4s

Finding cheaper rates for Audi A4 insurance comes down to comparing quotes and coverage options from providers in your area. You could also save on coverage if you choose the right carrier offering discounts you could qualify for.

The following five carriers are among the largest by market share, providing Audi A4 coverage nationwide. USAA is only available to military personnel and family, but the rest of the insurance companies offer coverage to drivers of all ages and locations. Take a look at how the same level of insurance could vary based on the company you choose. While the national average sits at $2,000 a year for full coverage, the table below shows how widely this amount may vary by car insurance company. Based on our research, the top providers by market share all offered quoted premiums much lower than the national average for 2019 A4s.

Average annual premium for full coverage by model

Car insurance company Audi A4
Amica $1,436
Erie $1,516
Geico $1,778
State Farm $1,551
USAA $1,551

Audi A4 features that impact insurance costs

The Audi A4 is an excellent, entry-level luxury sports sedan, based on reliability and high safety ratings that make car insurance more affordable for sports- or luxury-car enthusiasts. Some of the features that might help keep the cost of coverage low include:

  • Standard daytime running lights: These improve A4 visibility to other drivers on the road.
  • Side seat airbags: This helps reduce the possibility of serious injury in a side collision.
  • Lane departure warning and prevention: These optional safety features alert you if you begin to drift due to drowsiness or other distractions before you collide with another vehicle or object. Lane departure prevention takes it one step further by preventing your A4 from drifting out or changing lanes.

Other car insurance coverage for a Audi A4

Full coverage may be more expensive, but is essential if you want financial protection to repair or replace your vehicle. Full coverage, as reflected in the rates above, includes collision and comprehensive coverage. While these are optional in most states, damage to your vehicle can be costly to cover out of pocket.

If you plan on financing the purchase of an Audi, comprehensive and collision may be required. Additionally, adding gap insurance ensures that you will not owe more to the lender than what your insurance company will pay out in the event your Audi A4 is totaled.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Audi A4, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Cynthia Paez Bowman
Personal Finance Contributor
Cynthia Paez Bowman is a finance and business journalist who has been featured in Bankrate, Business Jet Traveler, MSN,, and She regularly travels to Africa and the Middle East to consult with women’s NGOs about small business development and works with select startups and women-owned businesses to provide growth and visibility.
Edited by
Insurance Editor