How Much Does Audi A4 Insurance Cost? – 2023 Rates and Rankings

• Audi A4 insurance rates average $2,006 per year or $1,003 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 10^th out of 19 total comparison vehicles.
• The cheapest Audi A4 insurance is on the A4 Premium 40 model at an estimated $1,872 per year.
• The A4 Allroad Prestige is the most expensive to insure at $2,122 per year.

How much does Audi A4 insurance cost?

Audi A4 insurance cost averages $2,006 per year for full coverage, or about $167 a month. This is right around the small luxury car class average rate of $1,994, and is $278 more per year than the $1,728 average for all vehicles.

The following chart demonstrates how average 2023 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 10^th out of 19 total vehicles in the small luxury car class. The A4 costs an average of $2,006 per year for full coverage insurance and the category median average cost is $1,994 annually, a difference of $12 per year.

When average rates are compared directly to the most popular models in the small luxury car segment, A4 insurance costs $168 more per year than the BMW 330i, $8 more than the Mercedes-Benz C300, $18 less than the Volvo S60, and $138 more than the Acura TLX.

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 2023 model year.

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 $47,689, the cost to purchase a 2023 Audi A4 ranges from $40,300 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 2023 model year are the Genesis G70, BMW M235i, Acura TLX, and Cadillac CT4.

Here’s how those models compare to a 2023 Audi A4 for both MSRP and the average cost to insure.

• Compared to the Genesis G70 – For a new 2023 model, the MSRP for the Genesis G70 averages $25 less than the Audi A4 ($47,664 compared to $47,689). Insuring an Audi A4 compared to the Genesis G70 costs an average of $78 more every 12 months.
• Compared to the BMW M235i – The average MSRP for a 2023 Audi A4 is $89 more expensive than the BMW M235i, at $47,689 compared to $47,600. Expect to pay approximately $44 more per year for full-coverage insurance on the BMW M235i compared to an A4.
• Compared to the Acura TLX – The Acura TLX has an average MSRP of $48,664, ranging from $39,650 to $56,150, which is $975 more expensive than the average sticker price for the Audi A4. Insuring an A4 compared to the Acura TLX costs an average of $138 more each year.
• Compared to the Cadillac CT4 – The 2023 Audi A4 has an average MSRP that is $1,635 more expensive than the Cadillac CT4 ($47,689 versus $46,054). Insurance on the Cadillac CT4 costs an average of $116 less 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 $1,872 to $2,122 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 $1,916 per year. On average, plan on budgeting at least $156 per month for a policy with full coverage.

The costliest trim levels of Audi A4 to insure are the Allroad Prestige at $2,122 and the Prestige 45 at $2,066 per year. Those trim levels will cost an extra $250 and $194 per year, respectively, over the lowest cost Premium 40 model.

The table below shows average car insurance policy costs for each 2023 Audi A4 package and trim level.

Do older A4 model years save on insurance?

Choosing to drive a 2013 Audi A4 instead of a new 2023 model could save $562 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 2023 model years. The average insurance cost ranges from a minimum of $1,444 for a 2013 Audi A4 to a maximum value of $2,006 for a 2023 model year.

Average Audi A4 insurance cost by location

Depending on your location, the cost of insurance for an A4 can vary from lower rates like $1,266 a year in Raleigh, NC, or $1,426 in Charlotte, NC, to higher rates like $4,582 a year in Detroit, MI, and $3,080 per year for car insurance in Los Angeles, CA.

Rate averages for additional cities include El Paso, TX, costing $1,790 per year, Minneapolis, MN, averaging $2,018, Memphis, TN, at $2,338, and Austin, TX, at $1,768.

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 ($1,262), Ohio ($1,408), and Maine ($1,216) have better insurance rates, while states like Nevada ($2,380), Florida ($2,468), and Michigan ($2,698) tend to have higher average Audi A4 insurance rates.

The table below details average insurance rates for a 2023 Audi A4 in all fifty states.