- Audi A4 insurance rates average $2,762 per year or $1,381 for a semi-annual policy, depending on the trim level.
- When compared to the entire small luxury car segment, the A4 falls near the middle of the pack at 13th out of 18 total comparison vehicles.
- The cheapest Audi A4 insurance is on the A4 Premium 40 model at an estimated $2,596 per year.
- The A4 Allroad Prestige is the most expensive to insure at $2,916 per year.
How much does Audi A4 insurance cost?
Audi A4 insurance cost averages $2,762 per year for full coverage, or about $230 a month. This is right around the small luxury car class average rate of $2,641, and is $486 more per year than the $2,276 average for all vehicles.
The following chart demonstrates how average 2024 Audi A4 insurance rates change using a variation of different driver ages and risk scenarios.
How does Audi A4 insurance cost rank?
The Audi A4 ranks 13th out of 18 total vehicles in the small luxury car class. The A4 costs an average of $2,762 per year for full coverage insurance and the category median average cost is $2,641 annually, a difference of $121 per year.
When average rates are compared directly to a few of the more popular models in the small luxury car segment, A4 insurance costs $250 more per year than the Genesis G70, $158 more per year than the Lexus RC 350, and $132 more per year than the BMW 230i.
The table below shows how car insurance cost for an Audi A4 compares to all other models in the small luxury car segment for the 2024 model year.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura Integra | $2,134 | -$628 |
| 2 | BMW 330i | $2,444 | -$318 |
| 3 | Acura TLX | $2,484 | -$278 |
| 4 | Cadillac CT4 | $2,506 | -$256 |
| 5 | Genesis G70 | $2,512 | -$250 |
| 6 | Lexus IS 350 | $2,534 | -$228 |
| 7 | Lexus RC 350 | $2,604 | -$158 |
| 8 | BMW 330e | $2,606 | -$156 |
| 9 | BMW 228i | $2,608 | -$154 |
| 10 | BMW 230i | $2,630 | -$132 |
| 11 | Audi S3 | $2,690 | -$72 |
| 12 | Alfa Romeo Giulia | $2,704 | -$58 |
| 13 | Audi A4 | $2,762 | -- |
| 14 | BMW M235i | $2,776 | $14 |
| 15 | Volvo S60 | $2,814 | $52 |
| 16 | Audi RS 3 | $2,868 | $106 |
| 17 | BMW M240i | $2,924 | $162 |
| 18 | BMW M340i | $2,932 | $170 |
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 vehicle from the 2024 model year. Updated October 24, 2025
Audi A4 insurance compared to similarly priced models
A different way to analyze rates is seeing how average car insurance quotes on an Audi A4 compare to compact luxury car models that have the most similar sticker prices.
With an average MSRP of $48,011, the cost to purchase a 2024 Audi A4 ranges from $41,200 to $55,800, before delivery charges and dealer documentation fees.
The four compact luxury car models most similar in price to the A4 for the 2024 model year are the Genesis G70, Acura TLX, BMW 330e, and BMW M235i.
Here’s how those models compare to a 2024 Audi A4 for both MSRP and the average cost to insure.
- Compared to the Genesis G70 – For a new 2024 model, the MSRP for the Genesis G70 averages $897 less than the Audi A4 ($47,114 compared to $48,011). Insuring an Audi A4 compared to the Genesis G70 costs an average of $250 more every 12 months.
- Compared to the Acura TLX – The average MSRP for a 2024 Audi A4 is $1,053 cheaper than the Acura TLX, at $48,011 compared to $49,064. Expect to pay approximately $278 less per year for full-coverage insurance on the Acura TLX compared to an A4.
- Compared to the BMW 330e – The BMW 330e has an average MSRP of $46,600, ranging from $45,600 to $47,600, which is $1,411 cheaper than the average sticker price for the Audi A4. Insuring an A4 compared to the BMW 330e costs an average of $156 more each year.
- Compared to the BMW M235i – The 2024 Audi A4 has an average MSRP that is $1,614 cheaper than the BMW M235i ($48,011 versus $49,625). Insurance on the BMW M235i costs an average of $14 more than the Audi A4.
How is this information useful? When shopping for a new car, a lot of consumers want to stay within a certain price point. If the Audi A4 is on the list of prospective vehicles, then it’s useful to know which models cost about the same as the A4, but may have cheaper or more expensive insurance rates. Over the life of a vehicle, even a small insurance cost difference can add up.
Does A4 trim level impact insurance rates?
With Audi A4 insurance cost ranging from $2,596 to $2,916 per year for an average driver, the lowest-cost model to insure is the Premium 40. The second cheapest model to insure is the Premium 45 at $2,656 per year. On average, plan on budgeting at least $216 per month for a policy with full coverage.
The costliest trim levels of Audi A4 to insure are the Allroad Prestige at $2,916 and the Prestige 45 at $2,838 per year. Those trim levels will cost an extra $320 and $242 per year, respectively, over the lowest cost Premium 40 model.
The table below shows average car insurance policy costs for each 2024 Audi A4 package and trim level.
| 2024 Audi A4 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premium 40 | $2,596 | $216 |
| Premium 45 | $2,656 | $221 |
| Premium Plus 40 | $2,708 | $226 |
| Allroad Premium | $2,744 | $229 |
| Premium Plus 45 | $2,750 | $229 |
| Prestige 40 | $2,824 | $235 |
| Allroad Premium Plus | $2,824 | $235 |
| Prestige 45 | $2,838 | $237 |
| Allroad Prestige | $2,916 | $243 |
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. Updated October 24, 2025
Do older A4 model years save on insurance?
Choosing to drive a 2013 Audi A4 instead of a new 2024 model could save $1,014 per year on insurance costs. Newer vehicles have higher replacement value which means they cost more to replace if they are totaled, and earlier model years are valued less because of depreciation.
The table below shows average Audi A4 insurance rates for the 2013 to 2024 model years. The average insurance cost ranges from a minimum of $1,748 for a 2013 Audi A4 to a maximum value of $2,762 for a 2024 model year.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Audi A4 | $2,762 | $230 |
| 2023 Audi A4 | $2,588 | $216 |
| 2022 Audi A4 | $2,534 | $211 |
| 2021 Audi A4 | $2,474 | $206 |
| 2020 Audi A4 | $2,400 | $200 |
| 2019 Audi A4 | $2,322 | $194 |
| 2018 Audi A4 | $2,198 | $183 |
| 2017 Audi A4 | $2,100 | $175 |
| 2016 Audi A4 | $1,950 | $163 |
| 2015 Audi A4 | $1,734 | $145 |
| 2014 Audi A4 | $1,850 | $154 |
| 2013 Audi A4 | $1,748 | $146 |
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. Updated October 24, 2025
Average Audi A4 insurance cost by location
Depending on your location, the cost of insurance for an A4 can vary from lower rates like $2,152 a year in Raleigh, NC, or $2,316 in Charlotte, NC, to higher rates like $5,254 a year in Detroit, MI, and $4,012 per year for car insurance in Los Angeles, CA.
Rate averages for additional cities include El Paso, TX, costing $2,686 per year, Minneapolis, MN, averaging $2,920, Memphis, TN, at $3,252, and Austin, TX, at $2,668.
The bar chart below ranks average insurance policy premiums for an Audi A4 for the largest metro areas in America.
At the state level, states like North Carolina ($2,148), Ohio ($2,292), and Maine ($2,098) have better insurance rates, while states like Nevada ($3,292), Florida ($3,212), and Michigan ($3,322) tend to have higher average Audi A4 insurance rates.
The table below details average insurance rates for a 2024 Audi A4 in all fifty states.
| U.S. State | Annual Premium | Cost Per Month |
|---|---|---|
| Alabama | $2,700 | $225 |
| Alaska | $2,412 | $201 |
| Arizona | $2,732 | $228 |
| Arkansas | $2,994 | $250 |
| California | $3,322 | $277 |
| Colorado | $3,044 | $254 |
| Connecticut | $3,130 | $261 |
| Delaware | $3,176 | $265 |
| Florida | $3,212 | $268 |
| Georgia | $2,944 | $245 |
| Hawaii | $2,262 | $189 |
| Idaho | $2,326 | $194 |
| Illinois | $2,654 | $221 |
| Indiana | $2,390 | $199 |
| Iowa | $2,236 | $186 |
| Kansas | $2,870 | $239 |
| Kentucky | $3,042 | $254 |
| Louisiana | $3,102 | $259 |
| Maine | $2,098 | $175 |
| Maryland | $2,754 | $230 |
| Massachusetts | $3,078 | $257 |
| Michigan | $3,322 | $277 |
| Minnesota | $2,616 | $218 |
| Mississippi | $2,850 | $238 |
| Missouri | $3,154 | $263 |
| Montana | $2,734 | $228 |
| Nebraska | $2,568 | $214 |
| Nevada | $3,292 | $274 |
| New Hampshire | $2,236 | $186 |
| New Jersey | $3,324 | $277 |
| New Mexico | $2,542 | $212 |
| New York | $3,216 | $268 |
| North Carolina | $2,148 | $179 |
| North Dakota | $2,554 | $213 |
| Ohio | $2,292 | $191 |
| Oklahoma | $3,108 | $259 |
| Oregon | $2,766 | $231 |
| Pennsylvania | $2,820 | $235 |
| Rhode Island | $3,378 | $282 |
| South Carolina | $2,576 | $215 |
| South Dakota | $2,954 | $246 |
| Tennessee | $2,802 | $234 |
| Texas | $2,754 | $230 |
| Utah | $2,650 | $221 |
| Vermont | $2,352 | $196 |
| Virginia | $2,228 | $186 |
| Washington | $2,704 | $225 |
| West Virginia | $2,682 | $224 |
| Wisconsin | $2,328 | $194 |
| Wyoming | $2,676 | $223 |
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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
