Enter your ZIP code below and click Compare to see the cheapest rates in your area.
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.
Our top pick:
Rewards for safe drivers
Basic to comprehensive
Your own dedicated agent
Our top pick: Allstate
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
A 2017 Audi A4 starts at a base price of $34,900. With the average insurance rate at $2,292 per year, the annual insurance cost–to–base car price ratio is 6.6%.
Monthly insurance rate
Base car price
A4 ALL ROAD
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Audi A4
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Audi A4 model year
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
Compare insurance for your Audi A4
How to compare insurance for the Audi A4
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.
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.
Find the cheapest rates
Compare the best car insurance companies near you.
Your information is secure.
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.
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.
Daytime running lights
Surround camera system
Rear backup sensors
LED fog lights
Electronic stability control
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.
Compare the best car insurance companies near you.
Your information is secure.
How reliable is the Audi A4?
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 model 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.
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.
How likely would you be to recommend finder to a friend or colleague?
Very UnlikelyExtremely Likely
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.