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Average Audi A4 insurance rates
The Audi A4 has been in production since 1994. The Audi A4 is a line of compact executive cars. The 2017 model is known as the top luxury small car in the market for its high performing standard features and comfortable seating.
Car insurance for an Audi A4 costs an average of $191 per month, which works out to $2,292 per year, almost $1,000 higher than the national average of $1,318. Your location is a big factor for your insurance; insuring an Audi A4 could range from $1,580 per year in Delaware to $964 in Maine.
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Shopping for auto insurance can be overwhelming; it’s tough to compare your options when all policies seem similar and providers use the same terminology. However, being informed about the different variables can help you find a policy and provider that suit your Audi A4. Here are a few things you should consider when shopping for auto insurance:
Price. Price is a major factor when choosing your auto insurance policy. Once you’ve determined exactly how much coverage you need, use that sample policy to compare rates from different providers.
Deductible. Find a deductible amount that’s affordable if you need to file a claim but not too low that it increases your premiums.
Minimum coverage. The vast majority of states have mandatory minimum coverage amounts. Above all other considerations, ensure that your policy meets your state’s minimums, otherwise, it’s illegal to drive on public roads.
Additional coverage. Uninsured motorist and medical payments coverage are two of the many extended coverage options that providers offer. Be sure to find a provider that has what you need.
Extras. Extras like roadside assistance and accident forgiveness can provide peace of mind on and off the road. If you require any extra policy features, be sure to shop around before deciding on a provider.
Restrictions. Some providers may have restrictions on coverage. Whether you’re planning on driving out of the country or just want to stay informed, ask your provider about potential restrictions before buying a policy.
Manufacturer offer or loyalty discount. Speak with your dealership to find out if Audi has any partnerships or loyalty programs with insurance providers.
Warranty. Read through your vehicle’s warranty information to avoid purchasing extras from your provider that might already be covered.
Car insurance rates for Audi A4 by year
Year
Progressive
Geico
State Farm
Average
2009
$191
$172
$166
$176
2010
$192
$172
$182
$182
2011
$193
$164
$179
$179
2012
$193
$164
$189
$182
2013
$192
$164
$187
$181
2014
$191
$164
$208
$188
2015
$345
$347
$211
$301
2016
$359
$359
$215
$311
2017
$360
$357
$235
$317
2018
$365
$372
$233
$323
2019
$375
$388
$246
$336
What factors affect car insurance rates for Audi A4?
Providers determine your rates based on your risk of collisions and potential cost of paying claims. While your location and driving history, among many other factors, will influence the price you pay for car insurance, the vehicle you drive is a major factor. Here are a few vehicle-specific factors that may affect Audi A4 insurance rates.
Body type. The A4 is a four-door sedan, generally used for commuting, errands, and other light use. It likely won’t be driven in higher risk situations like off-road or on a racetrack, which might make for lower premiums relative to trucks or sports cars.
Type of car. The A4 is a luxury sedan, a type of vehicle that is generally more expensive to insure than a compact car, but cheaper than an SUV.
Theft. Sedans have the highest theft rate of all vehicles, which could be reflected in the price you pay for auto insurance.
Repairs. While Audi vehicles are very common in the US, some parts may need to be imported or installed by a trained technician. This may increase the cost of repairs, which could translate to higher premiums.
Safety ratings. In general, Audi vehicles have great safety ratings, the A4 included. This may make for lower premiums since safer vehicles are often cheaper to insure.
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How does my Audi A4’s trim affect insurance costs?
The Audi A4 is considered a luxury sedan, which makes it a great choice for a daily driver. It comes standard with a number of safety and convenience-oriented features to provide a comfortable and safe drive. However, you may choose to configure your vehicle to include performance packages, additional safety features, or other options. In doing so, your insurance premiums may be affected, since trims, packages, and accessories can change how the vehicle performs.
Trim and engine
Premium 2.0 TFSI. This package adds sport suspension, performance tires, and a higher top speed, all of which could contribute to higher insurance premiums.
Premium Plus 2.0 TFSI Ultra. LED headlights, side & rear sensors and an Audi information system may decrease your risk of collisions, possibly reducing your rates.
Premium Plus 2.0 TFSI. While this package adds a variety of performance features, the inclusion of extra safety features could balance out the higher rates from increased power.
Prestige 2.0 TFSI Ultra. This package’s adaptive cruise control, top view camera system and heads-up display could make for a safer drive and better insurance rates.
Prestige 2.0 TFSI. The higher rates due to the increase in power may be canceled out by the addition of adaptive cruise control and other safety features.
Packages and options
Convenience package. This package adds an alarm system with motion sensor, driver information system and more. Adding this could help reduce your premiums.
Sport package. While most of the features in this package are cosmetic, the sport suspension could improve handling and reduce insurance rates.
Wheel package. Adding new rims and tires can offer better traction, but may also pose a higher risk of wheel theft.
Rear-passenger side airbags. This safety feature may reduce damage to your vehicle and occupants in the event of a collision, which could reduce the cost of insurance.
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.
What about car insurance for the Audi A4 Allroad?
Auto insurance for an Audi A4 Allroad costs about $132 per month, or $1,584 per year on average. This is the same as the A4 standard model and 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.
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.
Audi A4 money-saving safety features
You could save money on car insurance for your Audi A4 if it comes equipped with these safety features.
Airbags
Daytime running lights
Anti-lock brakes
Anti-theft device
Surround camera system
Parking sensors
Rear backup sensors
LED fog lights
Electronic stability control
Seatbelt pretensioners
Does the Audi A4 qualify for auto insurance discounts?
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose.
The 2017 A4 holds an impressive 9.6/10 rating according to U.S. News and J.D. Power. Additionally, the NHTSA gives it an overall 5/5 star rating, with perfect scores in all areas except a 4/5 in frontal crash tests. The 2017 model earned the IIHS Top safety pick+ backed by good scores in all categories.
While many sources agree that the A4 is a reliable vehicle, it’s pretty much on par with other vehicles in its class. According to U.S. News and J.D. Power, the 2017 A4 and A4 Allroad models received a 3/5 reliability rating, which is considered about average. However, your experience may vary depending on the model year you purchase, the trim and options, and more.
There have been a number of recalls on Audi A4 models, all stemming from different issues.
2017. Over 30,000 A4, A4 Allroad and A5 Sportback vehicles were recalled due to the aluminum trim around door speakers coming loose and exposing sharp edges. Other recalls on this model include frontal and head airbags not deploying properly, side marker lights not illuminating, and seatbelt pretensioner errors.
2016. Almost 350,000 various Audi vehicles including the 2016 A4 were affected by issues with the engine’s electric cooling pump overheating, which increased the risk of a fire.
2015. A number of 2015 Audi A4 models were recalled due to reports of the electrical connector on the auxiliary heater becoming corroded and causing a fire hazard. Other recalls for this model year include coolant pumps overheating and front airbags not deploying.
2013-2014. Many of the recalls for the 2015 models also apply to the 2013 and 2014 A4. This includes auxiliary heater wiring overheating, coolant pump issues, and front airbags not deploying properly.
Most recent Audi A4 models have very few common problems. The 2009 model has the most complaints overall, but 2011 is considered the worst iteration due to high repair costs and lower mileage. Common issues on the 2011 model include excessive oil usage, brakes not working properly, and clutch shuddering.
Audi A4 maintenance
While the Audi A4 is considered a fairly reliable vehicle, you can extend its life and maintain performance with some simple, routine maintenance. Here’s what you can expect in terms of oil changes, service appointments, mileage, and more.
Audi recommends an oil change every 10,000 miles or 12 months, but that may differ depending on how you drive your vehicle. 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 every 20,000 miles after the initial 10,000. Standard maintenance should be done every 20,000 miles after the initial 20,000-mile service appointment.
The standard 2017 Audi A4 2.0L TFSI Ultra gets an average of 31 miles per gallon, with 27 in the city and 37 on the highway.
The 2017 Audi A4 2.0 (Non-ultra) gets an average of 28 miles per gallon, with 25 in the city and 33 on the highway.
The 2017 Audi A4 2.0L Quattro gets an average of 27 miles per gallon, with 24 in the city and 33 on the highway.
Audi encourages owners to bring their A4 to a dealer for service, but won’t void your warranty if you bring it elsewhere.
The 2017 Audi A4 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?
The Audi A4 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.
About the Audi A4
The Audi A4 has been in production since 1994. The Audi A4 is a line of compact executive cars. The 2017 model is known as the top luxury small cars in the market for its high performing standard features and comfortable seating.
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.
Compare Audi competitors
If you’re not quite sure which make or model is right for you, consider exploring other Audi vehicles or another manufacturer entirely.
The Audi A4 is a luxury sedan that has been around for decades. It’s popular for families, commuters, and anyone else who values comfort and attention to detail. Whether you’re looking to upgrade your current sedan or are just curious to see what Audi has to offer, the A4 is spacious and loaded with safety features, making it a great daily driver. However, since it’s a luxury vehicle, insurance premiums may be higher than an average compact sedan, so you should compare your options to find the actual rate you’ll pay to insure this vehicle.
Frequently asked questions about the Audi A4
There is no single best provider for the Audi A4. Instead, you should determine exactly what coverage you need and use that sample policy to compare your options from different providers. The A4 is a luxury sedan, which means you should have no trouble finding coverage from any of the major providers.
Yes. Depending on what you’re looking for, Audi has a number of other impressive models. On the lower end, the A3 is a great luxury compact vehicle. If you’re looking for something a bit more sporty, the A5 and S5 models might work. For something a bit more luxurious, the A6 and A7 models are much larger than the A4, but the prices reflect the upgrade.
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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