Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Audi A4? And wondering how much it costs to insure by year? We researched average annual auto insurance costs for each model year and have compiled the results for you below.

Audi A4 car insurance facts

  • Average full coverage auto insurance premium: $158/month

  • Most affordable companies: Auto-Owners ($109/month) & Progressive ($114/month)

  • A4 car insurance cost vs. average rate: $21 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi A4 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Audi A4 insurer costs by state:

Risk factors affecting Audi A4 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Audi A4 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Audi models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Audi Luxury Automobile Brand

Audi is a German automobile manufacturer owned by Volkswagen Group, producing luxury vehicles for the United States market. The target market of Audi is the affluent class of modern urban consumers. All of Audi’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Q5, A3, A6, and the Q7 are their most popular vehicles.

Higher than average A4 repair costs equal higher coverage rates

Audi is a luxury brand in the United States market. Many consumers are attracted to the Audi luxury, comfort, safety, and driver-assist technologies, like Audi’s Pre-Sense Systems. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing an Audi is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Audi’s are going to have higher than average car insurance rates to similar vehicles in its class.

Rapid depreciation for Audi A4’s affecting auto policies

Another factor to consider for Audi’s, is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Audi models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Audi’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Audi models. The A3, A6, and Q3 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Audi top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2520
Allstate$2034
American Family$1842
Amica$2647
Arbella$1905
Auto-Owners$1315
Erie$1390
GEICO$1451
Liberty Mutual$1655
Mercury$1937
MetLife$2419
Nationwide$1479
Progressive$1360
Safe Auto$2203
State Farm$1547
Tennessee Farmers$1911
Travelers$2083
USAA$1368

Compare all 2021 Audi A4 rates

Average Cost to Insure Per Year

$1896

List Price

$39100

Trims Available

2.0T ultra Premium - 2.0T ultra Premium Plus - 2.0T quattro Premium - 2.0T quattro Premium Plus - 2.0T ultra Prestige - 2.0T quattro Prestige with 2.0-liter four-cylinder - Seven-speed S tronic dual-clutch automatic transmission and front-wheel drive and safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2020 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1999
American Family$1789
Auto-Owners$1253
Erie$1354
GEICO$1406
Liberty Mutual$1630
Mercury$1865
MetLife$2416
Nationwide$1465
Progressive$1314
Safe Auto$2186
State Farm$1528
Tennessee Farmers$1826
Travelers$2030
USAA$1320
Vermont Mutual$2297

Compare all 2020 Audi A4 rates

Average Cost to Insure Per Year

$1635

List Price

$37400

Trims Available

2.0T ultra Premium - 2.0T ultra Premium Plus - 2.0T quattro Premium - 2.0T quattro Premium Plus - 2.0T ultra Prestige - 2.0T quattro Prestige with 2.0-liter four-cylinder - Seven-speed S tronic dual-clutch automatic transmission and front-wheel drive and safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2019 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1953
American Family$1735
Auto-Owners$1216
Erie$1315
GEICO$1390
Liberty Mutual$1628
Mercury$1831
MetLife$2348
Nationwide$1459
Progressive$1280
Safe Auto$2158
State Farm$1512
Tennessee Farmers$1757
Travelers$2016
USAA$1306
Vermont Mutual$2240

Compare all 2019 Audi A4 rates

Average Cost to Insure Per Year

$1615

List Price

$37400

Trims Available

2.0T ultra Premium - 2.0T ultra Premium Plus - 2.0T quattro Premium - 2.0T quattro Premium Plus - 2.0T ultra Prestige - 2.0T quattro Prestige with 2.0-liter four-cylinder - Seven-speed S tronic dual-clutch automatic transmission and front-wheel drive and safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2018 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1512
Acuity$ 1512
Allied$ 1653
Allied$ 1653
Country$ 1659
Country$ 1659
Erie$ 1024
Erie$ 1024
GEICO$ 978
GEICO$ 978
Nationwide$ 1404
Nationwide$ 1404
Plymouth Rock Insurance$ 1629
Plymouth Rock Insurance$ 1629
Progressive$ 1256
Progressive$ 1256
State Farm$ 1212
State Farm$ 1212
Tennessee Farmers$ 1260
Tennessee Farmers$ 1260
USAA$ 1174
USAA$ 1174
Vermont Mutual$ 1587
Vermont Mutual$ 1587

Compare all 2018 Audi A4 rates

Average Cost to Insure Per Year

$ 1483

List Price

$ 36000

Trims Available

2.0T ultra Premium - 2.0T ultra Premium Plus - 2.0T quattro Premium - 2.0T quattro Premium Plus - 2.0T ultra Prestige - 2.0T quattro Prestige

2017 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1411
Acuity$ 1411
American Family$ 1539
American Family$ 1539
Country$ 1484
Country$ 1484
Erie$ 940
Erie$ 940
GEICO$ 780
GEICO$ 780
Nationwide$ 1297
Nationwide$ 1297
Progressive$ 1173
Progressive$ 1173
State Farm$ 1020
State Farm$ 1020
Tennessee Farmers$ 1045
Tennessee Farmers$ 1045
Texas Farm Bureau$ 1129
Texas Farm Bureau$ 1129
USAA$ 1056
USAA$ 1056
Vermont Mutual$ 1426
Vermont Mutual$ 1426

Compare all 2017 Audi A4 rates

Average Cost to Insure Per Year

$ 1299

List Price

$ 34900

Trims Available

2.0T ultra Premium - 2.0T Premium - 2.0T ultra Premium Plus - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige

2016 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1363
Acuity$ 1363
Allied$ 1504
Allied$ 1504
Country$ 1454
Country$ 1454
Erie$ 867
Erie$ 867
GEICO$ 863
GEICO$ 863
Nationwide$ 1088
Nationwide$ 1088
Progressive$ 1215
Progressive$ 1215
State Farm$ 1150
State Farm$ 1150
Tennessee Farmers$ 1212
Tennessee Farmers$ 1212
Texas Farm Bureau$ 1100
Texas Farm Bureau$ 1100
USAA$ 1110
USAA$ 1110
Vermont Mutual$ 1354
Vermont Mutual$ 1354

Compare all 2016 Audi A4 rates

Average Cost to Insure Per Year

$ 1297

List Price

$ 35900

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus

2015 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1380
Acuity$ 1380
American Family$ 1489
American Family$ 1489
Country$ 1457
Country$ 1457
Erie$ 866
Erie$ 866
GEICO$ 785
GEICO$ 785
Nationwide$ 1075
Nationwide$ 1075
Progressive$ 1136
Progressive$ 1136
State Farm$ 962
State Farm$ 962
Tennessee Farmers$ 1353
Tennessee Farmers$ 1353
Texas Farm Bureau$ 1099
Texas Farm Bureau$ 1099
USAA$ 957
USAA$ 957
Vermont Mutual$ 1379
Vermont Mutual$ 1379

Compare all 2015 Audi A4 rates

Average Cost to Insure Per Year

$ 1213

List Price

$ 35500

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige

2014 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1314
Acuity$ 1314
American Family$ 1371
American Family$ 1371
Country$ 1436
Country$ 1436
Erie$ 756
Erie$ 756
GEICO$ 754
GEICO$ 754
Nationwide$ 1116
Nationwide$ 1116
Progressive$ 1119
Progressive$ 1119
State Farm$ 1039
State Farm$ 1039
Tennessee Farmers$ 1310
Tennessee Farmers$ 1310
Texas Farm Bureau$ 1066
Texas Farm Bureau$ 1066
USAA$ 929
USAA$ 929
Vermont Mutual$ 1276
Vermont Mutual$ 1276

Compare all 2014 Audi A4 rates

Average Cost to Insure Per Year

$ 1176

List Price

$ 33800

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige

2013 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1234
Acuity$ 1234
American Family$ 1172
American Family$ 1172
Country$ 1354
Country$ 1354
Erie$ 732
Erie$ 732
GEICO$ 692
GEICO$ 692
Nationwide$ 1083
Nationwide$ 1083
Progressive$ 1065
Progressive$ 1065
State Farm$ 939
State Farm$ 939
Tennessee Farmers$ 1242
Tennessee Farmers$ 1242
Texas Farm Bureau$ 1008
Texas Farm Bureau$ 1008
USAA$ 831
USAA$ 831
Vermont Mutual$ 1196
Vermont Mutual$ 1196

Compare all 2013 Audi A4 rates

Average Cost to Insure Per Year

$ 1109

List Price

$ 32500

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige

2012 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1151
Acuity$ 1151
American Family$ 1115
American Family$ 1115
Country$ 1287
Country$ 1287
Erie$ 710
Erie$ 710
GEICO$ 657
GEICO$ 657
Nationwide$ 1033
Nationwide$ 1033
Progressive$ 969
Progressive$ 969
State Farm$ 822
State Farm$ 822
Tennessee Farmers$ 1195
Tennessee Farmers$ 1195
Texas Farm Bureau$ 977
Texas Farm Bureau$ 977
USAA$ 778
USAA$ 778
Vermont Mutual$ 1122
Vermont Mutual$ 1122

Compare all 2012 Audi A4 rates

Average Cost to Insure Per Year

$ 1036

List Price

$ 32500

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T quattro Avant Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T quattro Avant Premium Plus - 2.0T Prestige - 2.0T quattro Prestige - 2.0T quattro Avant Prestige

2011 Audi A4

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1025
American Family$ 1025
Arbella$ 1253
Arbella$ 1253
Country$ 1177
Country$ 1177
Erie$ 687
Erie$ 687
GEICO$ 620
GEICO$ 620
Nationwide$ 1014
Nationwide$ 1014
Progressive$ 935
Progressive$ 935
State Farm$ 818
State Farm$ 818
Tennessee Farmers$ 1108
Tennessee Farmers$ 1108
Texas Farm Bureau$ 921
Texas Farm Bureau$ 921
USAA$ 772
USAA$ 772
Vermont Mutual$ 1015
Vermont Mutual$ 1015

Compare all 2011 Audi A4 rates

Average Cost to Insure Per Year

$ 998

List Price

$ 32300

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Avant Premium - 2.0T quattro Premium Plus - 2.0T quattro Avant Premium Plus - 2.0T quattro Prestige - 2.0T quattro Avant Prestige