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

We compared car insurance rates from the Audi A4 Premium 40 up to the Allroad Prestige model to see how prices ranked against the rest of the compact luxury car market.

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How much does Audi A4 insurance cost?

Audi A4 insurance cost averages $1,954 per year for full coverage, or about $163 a month. This is right around the small luxury car class average rate of $1,942, and is $269 more per year than the $1,685 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2023 model year Audi A4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Audi A4 trim levels.Data last updated on January 23, 2023
Audi A4 Insurance Cost Summary
Audi A4 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,418$368
Safe Driver Age 20$3,872$323
At-fault Accidents Age 40$2,730$228
Low Deductibles Age 40$2,602$217
Safe Driver Age 30$2,074$173
Safe Driver Age 40$1,954$163
Safe Driver Age 50$1,778$148
Safe Driver Age 60$1,744$145
Discount Rate Age 40$1,624$135
High Deductibles Age 40$1,620$135

How does Audi A4 insurance cost rank?

The Audi A4 ranks 10th out of 19 total vehicles in the small luxury car class. The A4 costs an average of $1,954 per year for full coverage insurance and the category median average cost is $1,942 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 $162 more per year than the BMW 330i, $6 more than the Mercedes-Benz C300, $16 less than the Volvo S60, and $132 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.

Insurance Cost Comparison: Audi A4 vs Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura Integra$1,584-$370
2BMW 330i$1,792-$162
3Acura TLX$1,822-$132
4Cadillac CT4$1,842-$112
5Genesis G70$1,880-$74
6BMW 330e$1,910-$44
7BMW 228i$1,920-$34
8BMW 230i$1,932-$22
9Mercedes-Benz C300$1,948-$6
10Audi A4$1,954--
11Lexus RC 350$1,956$2
12Audi S3$1,968$14
13Volvo S60$1,970$16
14Alfa Romeo Giulia$1,992$38
15BMW M235i$1,996$42
16Lexus IS 350$2,028$74
17Audi RS 3$2,106$152
18BMW M240i$2,146$192
19BMW M340i$2,156$202

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Insurance Cost Comparison: Audi A4 vs Small Luxury Cars

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 $74 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 $42 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 $132 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 $112 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 $1,824 to $2,068 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 $1,868 per year. On average, plan on budgeting at least $152 per month for a policy with full coverage.

The costliest trim levels of Audi A4 to insure are the Allroad Prestige at $2,068 and the Prestige 45 at $2,014 per year. Those trim levels will cost an extra $244 and $190 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.

2023 Audi A4 Insurance Cost by Trim Level
Audi A4 Trim Level Annual Policy 6-month Policy Per Month
Premium 40$1,824$912$152
Premium 45$1,868$934$156
Premium Plus 40$1,922$961$160
Allroad Premium$1,930$965$161
Premium Plus 45$1,950$975$163
Prestige 40$2,004$1,002$167
Allroad Premium Plus$2,004$1,002$167
Prestige 45$2,014$1,007$168
Allroad Prestige$2,068$1,034$172

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Audi A4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Audi A4 Insurance Cost by 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 $546 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 $1,408 for a 2013 Audi A4 to a maximum value of $1,954 for a 2023 model year.

Audi A4 Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Audi A4$1,954$977$163
2022 Audi A4$1,914$957$160
2021 Audi A4$1,868$934$156
2020 Audi A4$1,840$920$153
2019 Audi A4$1,792$896$149
2018 Audi A4$1,738$869$145
2017 Audi A4$1,662$831$139
2016 Audi A4$1,572$786$131
2015 Audi A4$1,390$695$116
2014 Audi A4$1,482$741$124
2013 Audi A4$1,408$704$117

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on January 23, 2023
Audi A4 Insurance Cost by 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 $1,222 a year in Raleigh, NC, or $1,382 in Charlotte, NC, to higher rates like $4,552 a year in Detroit, MI, and $3,040 per year for car insurance in Los Angeles, CA.

Rate averages for additional cities include El Paso, TX, costing $1,744 per year, Minneapolis, MN, averaging $1,974, Memphis, TN, at $2,296, and Austin, TX, at $1,726.

The bar chart below ranks average insurance policy premiums for an Audi A4 for the largest metro areas in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2023 Audi A4, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Audi A4 trim levels.Data last updated on January 23, 2023
Audi A4 Insurance Rates in Large U.S. Cities
Audi A4 Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,442$287
Philadelphia, PA$3,056$255
Las Vegas, NV$3,048$254
Los Angeles, CA$3,040$253
San Francisco, CA$2,632$219
Kansas City, MO$2,340$195
Oklahoma City, OK$2,340$195
Denver, CO$2,296$191
Memphis, TN$2,296$191
Atlanta, GA$2,266$189
San Jose, CA$2,204$184
Phoenix, AZ$2,146$179
Portland, OR$2,116$176
San Diego, CA$2,106$176
Boston, MA$2,098$175
Jacksonville, FL$2,092$174
Chicago, IL$2,034$170
Dallas, TX$2,002$167
Houston, TX$1,994$166
Seattle, WA$1,986$166
Nashville, TN$1,914$160
Milwaukee, WI$1,904$159
Albuquerque, NM$1,866$156
San Antonio, TX$1,808$151
Omaha, NE$1,756$146
Fort Worth, TX$1,746$146
Austin, TX$1,726$144
Indianapolis, IN$1,574$131
Columbus, OH$1,448$121
Charlotte, NC$1,382$115

At the state level, states like North Carolina ($1,220), Ohio ($1,360), and Maine ($1,176) have better insurance rates, while states like Nevada ($2,336), Florida ($2,434), and Michigan ($2,668) 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.

Audi A4 Average Insurance Cost by State for 2023
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,758$879$147
Alaska$1,480$740$123
Arizona$1,790$895$149
Arkansas$2,044$1,022$170
California$2,364$1,182$197
Colorado$2,094$1,047$175
Connecticut$2,174$1,087$181
Delaware$2,220$1,110$185
Florida$2,434$1,217$203
Georgia$1,994$997$166
Hawaii$1,332$666$111
Idaho$1,394$697$116
Illinois$1,712$856$143
Indiana$1,458$729$122
Iowa$1,308$654$109
Kansas$1,926$963$161
Kentucky$2,092$1,046$174
Louisiana$2,322$1,161$194
Maine$1,176$588$98
Maryland$1,814$907$151
Massachusetts$2,128$1,064$177
Michigan$2,668$1,334$222
Minnesota$1,676$838$140
Mississippi$1,904$952$159
Missouri$2,204$1,102$184
Montana$1,792$896$149
Nebraska$1,632$816$136
Nevada$2,336$1,168$195
New Hampshire$1,308$654$109
New Jersey$2,364$1,182$197
New Mexico$1,604$802$134
New York$2,264$1,132$189
North Carolina$1,220$610$102
North Dakota$1,616$808$135
Ohio$1,360$680$113
Oklahoma$2,154$1,077$180
Oregon$1,824$912$152
Pennsylvania$1,872$936$156
Rhode Island$2,422$1,211$202
South Carolina$1,638$819$137
South Dakota$2,008$1,004$167
Tennessee$1,858$929$155
Texas$1,812$906$151
Utah$1,708$854$142
Vermont$1,420$710$118
Virginia$1,298$649$108
Washington$1,764$882$147
West Virginia$1,740$870$145
Wisconsin$1,394$697$116
Wyoming$1,736$868$145

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Audi A4, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Audi A4 trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on January 23, 2023
Audi A4 insurance rates by U.S. state