On average, auto insurance for an Audi A4 costs around $191 per month, which works out to $2,292 per year, almost $1,000 higher than the national average of $1,318. However, your actual costs may varying according to a number of factors, including driving history, vehicle type, and most importantly, location. For example, insuring an Audi A4 in Delaware might cost closer to $1,580 per year, or even less in Maine, which holds an annual average of $964. This is why it’s important to compare your options before deciding on a policy and provider.
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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.
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.
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. Compared to the baseline Premium A4 2.0 TFSI Ultra, here are a few available options and how they might influence your rates.
Trim and engine
Premium 2.0 TFSI (Non-ultra) 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 (Non-ultra) 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 (Non-ultra) 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.
You could save money on car insurance for your Audi A4 if it comes equipped with these safety features.
- 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
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:
- New car discount
- Anti-lock brake discount
- Anti-theft discount
- Passive restraint discount (Airbags, motorized seat belts, etc.)
- Emergency roadside assistance discount
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. Here are a few of the most recent and major recalls:
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.
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.
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.
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.
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.