Audi A4 Car Insurance Calculator

Gain insights into how different driver and vehicle factors influence insurance rates for an Audi A4. Update factors like policy coverages, liability limits, and deductibles to see how each affects your premiums. Instantly discover if the choice you make had an impact on rates.

The average estimated car insurance premium for a 2024 Audi A4 is $2,698 per year, or about $225 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,698

Cost Per Month

$225

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Audi A4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Audi A4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,698
Average Rate
Your Rate
$2,698

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Audi A4.

The 'Average Rate' is a combined value for all Audi A4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Audi A4 is $2,698.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Audi A4 vs. the Small Luxury Car Segment

The table below compares insurance rates for the 2024 Audi A4 against all other models in the small luxury car segment. The Audi A4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Audi A4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Audi A4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Audi A4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura Integra$2,082-$616
2BMW 330i$2,384-$314
3Acura TLX$2,424-$274
4Cadillac CT4$2,446-$252
5Genesis G70$2,452-$246
6Lexus IS 350$2,472-$226
7Lexus RC 350$2,542-$156
8BMW 330e$2,544-$154
9BMW 228i$2,548-$150
10BMW 230i$2,568-$130
2024 Small Luxury Car Average$2,578-$120
11Audi S3$2,626-$72
12Alfa Romeo Giulia$2,642-$56
13Audi A4$2,698--
14BMW M235i$2,712$14
15Volvo S60$2,748$50
16Audi RS 3$2,800$102
17BMW M240i$2,854$156
18BMW M340i$2,862$164

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 A4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Audi A4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Audi A4 Insurance Rates by Trim Level
2024 Audi A4 Trim Level Annual Premium Cost Per Month
Premium 40$2,536$211
Premium 45$2,596$216
Premium Plus 40$2,646$221
Allroad Premium$2,680$223
Premium Plus 45$2,684$224
Prestige 40$2,758$230
Allroad Premium Plus$2,758$230
Prestige 45$2,772$231
Allroad Prestige$2,848$237

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Audi A4 for different driver ages.

2024 Audi A4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,482$790
17$9,212$768
18$8,308$692
19$7,552$629
20$5,802$484
21$5,538$462
22$4,971$414
23$4,076$340
24$3,856$321
25$3,134$261
30$2,880$240
35$2,770$231
40$2,698$225
45$2,518$210
50$2,382$199
55$2,222$185
60$2,228$186
65$2,374$198
70$2,552$213
75$2,988$249
80$3,670$306

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Audi A4 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Audi A4.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Audi A4 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Audi A4$2,698$225
2023 Audi A4$2,526$211
2022 Audi A4$2,476$206
2021 Audi A4$2,416$201
2020 Audi A4$2,344$195
2019 Audi A4$2,268$189
2018 Audi A4$2,146$179
2017 Audi A4$2,054$171
2016 Audi A4$1,906$159
2015 Audi A4$1,694$141
2014 Audi A4$1,810$151
2013 Audi A4$1,704$142

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Audi A4 trim levels for each model year.