Insuring an Audi A4: Rates and Comparisons for 2024

• Audi A4 insurance rates average $2,184 per year or $1,092 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 13^th out of 18 total comparison vehicles.
• The cheapest Audi A4 insurance is on the A4 Premium 40 model at an estimated $2,054 per year.
• The A4 Allroad Prestige is the most expensive to insure at $2,306 per year.

How much does Audi A4 insurance cost?

Audi A4 insurance cost averages $2,184 per year for full coverage, or about $182 a month. This is right around the small luxury car class average rate of $2,088, and is $301 more per year than the $1,883 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 13^th out of 18 total vehicles in the small luxury car class. The A4 costs an average of $2,184 per year for full coverage insurance and the category median average cost is $2,088 annually, a difference of $96 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 $198 more per year than the Genesis G70, $126 more per year than the Lexus RC 350, and $104 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.

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 $198 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 $222 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 $124 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 $12 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 $2,054 to $2,306 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 $2,102 per year. On average, plan on budgeting at least $171 per month for a policy with full coverage.

The costliest trim levels of Audi A4 to insure are the Allroad Prestige at $2,306 and the Prestige 45 at $2,244 per year. Those trim levels will cost an extra $252 and $190 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.

Do older A4 model years save on insurance?

Choosing to drive a 2013 Audi A4 instead of a new 2024 model could save $794 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 $1,390 for a 2013 Audi A4 to a maximum value of $2,184 for a 2024 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 $1,446 a year in Raleigh, NC, or $1,612 in Charlotte, NC, to higher rates like $4,798 a year in Detroit, MI, and $3,314 per year for car insurance in Los Angeles, CA.

Rate averages for additional cities include El Paso, TX, costing $1,982 per year, Minneapolis, MN, averaging $2,218, Memphis, TN, at $2,548, and Austin, TX, at $1,962.

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 ($1,444), Ohio ($1,590), and Maine ($1,400) have better insurance rates, while states like Nevada ($2,590), Florida ($2,650), and Michigan ($2,866) 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.