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Audi A4 Allroad insurance rates

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Average Audi A4 Allroad insurance rates

Auto insurance for an Audi A4 Allroad costs about $132 per month, or $1,584 per year on average, only slightly higher than the national average of $1,318. Compared to its base price of $44,000, the annual insurance cost–to–base car price ratio is 3.6%. However, the actual price you pay for auto insurance depends on a variety of factors including vehicle details, driving history, and location. In fact, if you were to insure an A4 Allroad in New Hampshire, you might pay closer to $983 per year, a stark contrast to Georgia’s $2,201 average.

Companies that offer coverage for Audi A4 Allroad

Liberty Mutual. Liberty Mutual is one of the most reputable providers in the country, and for good reason. Operating for over a century, this provider offers a range of coverage options and additional extras that include roadside assistance, accident forgiveness and more.

Progressive. This provider’s modern approach to car insurance has helped it achieve multiple industry firsts. Customers can purchase coverage directly from its responsive website, manage policies online and more.

Allstate. Allstate offers a range of customizable coverage options, rewards for safe drivers and more. Its impressive lineup of flexible auto insurance products make it a great choice for insuring the Audi A4 Allroad.

Compare insurance providers that cover Audi A4 Allroad

Name Product Roadside assistance New car protection
Liberty Mutual
Included free
Yes, cars under 1 year old & 15,000 miles
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Esurance
Optional
Yes, cars under 1 year old & 15,000 miles
Esurance offers a modern online and mobile experience that helps you take your insurance on the go.
Allstate
Included free
Yes, cars under 2 years old
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How to compare insurance for the Audi A4 Allroad

Finding coverage for your Audi A4 Allroad is easy, the hard part is comparing your options. Many providers use the same language and standard coverage options, making it tough to differentiate between policies. Shopping for auto insurance is much easier when you know exactly what you’re looking for. Here’s how to compare your options for the Audi A4 Allroad.

  • Price. While price isn’t the single most important factor, it’s certainly up there. Start by creating a sample policy that includes the coverage you need, then get quotes from multiple providers to find out which offers the best price.
  • Deductible. Your deductible amount can affect the price you pay for auto insurance. Higher deductibles usually correlate to lower premiums, whereas lower deductibles will raise the monthly cost. Find an amount that works for your budget but won’t break the bank if you need to file a claim.
  • Minimum coverage. Most states have minimum requirements for auto insurance coverage. When shopping for policies, always ensure that your state minimums are met.
  • Additional coverage. Many providers offer extended policy options like personal injury or uninsured motorist coverage. Make sure the provider you choose offers the additional protection you need.
  • Extras. If you’re looking for extra policy features like roadside assistance or vanishing deductible, you should speak with providers to find out what’s available.
  • Restrictions. To avoid denied claims or gaps in coverage, check with any potential providers to find out if they have any restrictions on your auto insurance policy.
  • Manufacturer offer or loyalty discount. Audi may have partnerships or loyalty programs with insurance providers. Inquire about any special offers to find out if you can save on auto insurance.
  • Warranty. Before purchasing coverage, you may want to find out what your manufacturer warranty covers to avoid paying for coverage you don’t need.

What factors affect car insurance rates for Audi A4 Allroad?

Between your driving history, location and an assortment of other variables, there are a number of factors that influence the price of auto insurance. One of the most crucial factors is the vehicle that you drive. Among many other elements, the body style, type of car and cost of repairs are all taken into account when calculating your premiums. Here’s how the Audi A4 Allroad measures up.

  • Body type. The Audi A4 Allroad is a 4-door station wagon. This body style is generally cheaper to insure compared to sedans, sports cars and SUVs.
  • Type of car. Audi makes luxury vehicles and the A4 Allroad is no different. Though station wagons generally aren’t overly expensive to insure, it’s considered a luxury vehicle, which could affect the cost of insurance.
  • Theft. Station wagons are stolen far less frequently than sedans and trucks, which could translate to lower insurance premiums.
  • Repairs. Station wagons are generally more expensive to repair than sedans, but cheaper than SUVs. Audi vehicles are mass produced, meaning that the easy access to parts and service could help reduce the cost of insurance.
  • Safety ratings. The A4 Allroad, like most Audi vehicles, has great safety ratings. The reduced risk of passenger harm or structural damage could help bring down the cost of auto insurance.

How do trim packages and extra build options affect insurance cost?

The standard Audi A4 Allroad is designed for comfort and convenience, making it great for commuting, family trips and more. It has an appropriate amount of power and safety features to make it great for daily driving, but depending on how you plan on using the vehicle, you may opt for different trims or packages. These options may alter the way the vehicle drives, whether that’s in terms of top speed, visibility or anything else. Depending on what you choose, the shift in performance could affect your insurance premiums. Compared to the standard A4 Allroad 2.0 TFSI Premium, here’s how trim and packages might impact your premiums.

Trim and engine

  • Premium Plus. This package adds LED headlights, side and rear sensors, a parking system, rearview camera and more. These features help increase visibility and safety, which could lead to lower premiums.
  • Prestige. The Prestige package includes everything from Premium Plus, along with a heads-up display, driver assistance features and a top view camera system. These additions could help reduce the cost of auto insurance.

Packages and options

  • Convenience package. The alarm system with motion sensor, driver information system and other features included in this package could bring down the cost of car insurance.
  • Rear-passenger side airbags. This feature reduces risk of harm and severe damage in the event of a collision, which could make for lower insurance premiums.
  • Navigation & telematics package. This package adds Audi Connect, a touch-screen navigation system, Audi Connect CARE subscription and more. The added convenience and connectivity could lead to lower premiums.

Audi A4 Allroad money-saving safety features

You could save money on car insurance for your Audi A4 Allroad if it comes equipped with these safety features.

  • Airbags
  • Daytime running lights
  • Anti-lock brakes
  • Anti-theft device
  • Surround camera system
  • Parking sensors
  • Rear back-up sensors
  • LED fog lights
  • Electronic stability control
  • Seatbelt pretensioners

Does the Audi A4 Allroad qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Audi A4 Allroad:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the Audi A4 Allroad?

While Audi has a decent reputation for its reliable vehicles, the A4 Allroad doesn’t really stand out. According to U.S. News and J.D. Power, the 2017 A4 Allroad received a 3/5 star reliability rating, which is about average for other vehicles in its class. Other sources are a bit more optimistic but their ratings are still not far off from average.

At the time of writing, there are no active recalls for the 2017 or 2018 Audi A4 Allroad. However, Audi recalled almost 350,000 2012-2017 vehicles, including the 2016 A4 Allroad for an issue with the electric coolant pump that could be blocked with debris, resulting in the pump overheating.

There are almost no common problems with the 2017-2018 Audi A4 Allroad models. According to a number of customer reviews, most owners of this vehicle are very satisfied and have had no major issues.

Audi A4 Allroad maintenance

The Audi A4 Allroad is designed for daily driving, so it doesn’t require a great deal of maintenance. However, routine oil changes and other scheduled service appointments can help extend the life of your vehicle, increase mileage and maintain performance. Here’s what to expect in terms of maintenance on an Audi A4 Allroad.

  • Audi recommends an oil change every 10,000 miles or 12 months, but your experience may vary depending on how you drive your vehicle. Regardless, an oil change should cost anywhere between $50 and $125 depending on where you have it serviced.
  • According to the 2017 Audi maintenance schedule, your vehicle should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
  • The 2017 Audi A4 Allroad 2.0L TFSI gets an average of 25 miles per gallon, with 23 in the city and 28 on the highway.
  • Audi encourages owners to bring their A4 Allroad to a dealer for service, but won’t void your warranty if you bring it elsewhere.
  • The 2017 Audi A4 Allroad comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.

Is an extended warranty worth it for the Audi A4 Allroad?

The Audi A4 Allroad comes with a four-year, 50-000 mile warranty. However, there is also an option to extend your coverage through the Audi Certified Plus Limited warranty which is available after the new vehicle warranty expires. If purchased, the Audi Certified Plus Limited Warranty becomes effective and provides coverage for two years or up to 50,000 additional miles, up to a maximum of 100,000 in total. If you drive your vehicle vigorously or plan on selling it in the future, the extended warranty might come in handy.

How safe is the Audi A4 Allroad?

The 2017 A4 Allroad was the 2017 Top Safety Pick, according to the IIHS. It holds superior ratings in all categories except for headlights, which could use improvement. Additionally, NHTSA crash test results include perfect 5/5 ratings in all categories.

Bottom line

The Audi A4 Allroad is a luxury wagon that is perfect for family trips, commuting, and more. It’s packed with safety features and comes equipped with a number of driver assistance technology, which may help to keep your auto insurance premiums low. However, it’s luxury vehicle, which may have an effect on insurance premiums since body damage or interior features could be expensive to repair. You should compare your options to find the actual rate you’ll pay to insure this vehicle.

About the Audi A4 Allroad

The Audi A4 Allroad was first introduced in 2009 at the Geneva Motor Show. The Audi A4 Allroad is the only station wagon style that Audi produces. In 2016, there were approximately 2,300 models sold in the United States.

Random Audi Facts

  • Originally established in 1910, however, the modern era of Audi began in 1969.
  • Prices start at $31,000 and can go up to $163,000.
  • First company to crash-test cars, in 1938. It created a precedent for other automotive companies to crash-test their models.
  • Named the top car out of the ten least stolen used cars by the Highway Loss Data Institute in 2017.
  • Nine various locations throughout the world, in which they produce cars.

Audi A4 Allroad price

A 2017 Audi A4 Allroad starts at a base price of $44,000. With the average insurance rate at $1,584 per year, the annual insurance cost–to–base car price ratio is 3.6%.

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