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.

Start a Free QuoteCompare Audi A4 car insurance quotes and save on your next policy.

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.

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 August 12, 2023
Audi A4 Insurance Cost Summary
2023 Audi A4 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,538$378
Safe Driver Age 20$3,974$331
At-fault Accidents Age 40$2,804$234
Low Deductibles Age 40$2,670$223
Safe Driver Age 30$2,130$178
Safe Driver Age 40$2,006$167
Safe Driver Age 50$1,822$152
Safe Driver Age 60$1,792$149
Discount Rate Age 40$1,668$139
High Deductibles Age 40$1,662$139

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 $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.

Insurance Cost Comparison: Audi A4 vs Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura Integra$1,624-$382
2BMW 330i$1,838-$168
3Acura TLX$1,868-$138
4Cadillac CT4$1,890-$116
5Genesis G70$1,928-$78
6BMW 330e$1,960-$46
7BMW 228i$1,970-$36
8BMW 230i$1,984-$22
9Mercedes-Benz C300$1,998-$8
10Audi A4$2,006--
11Lexus RC 350$2,010$4
12Audi S3$2,020$14
13Volvo S60$2,024$18
14Alfa Romeo Giulia$2,044$38
15BMW M235i$2,050$44
16Lexus IS 350$2,084$78
17Audi RS 3$2,162$156
18BMW M240i$2,208$202
19BMW M340i$2,212$206

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on August 12, 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 $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.

2023 Audi A4 Insurance Cost by Trim Level
Audi A4 Trim Level Annual Policy Six-Month Policy Per Month
Premium 40$1,872$936$156
Premium 45$1,916$958$160
Premium Plus 40$1,970$985$164
Allroad Premium$1,980$990$165
Premium Plus 45$2,002$1,001$167
Prestige 40$2,056$1,028$171
Allroad Premium Plus$2,056$1,028$171
Prestige 45$2,066$1,033$172
Allroad Prestige$2,122$1,061$177

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 August 11, 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 $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.

Audi A4 Insurance Cost for 2013-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Audi A4$2,006$1,003$167
2022 Audi A4$1,968$984$164
2021 Audi A4$1,918$959$160
2020 Audi A4$1,890$945$158
2019 Audi A4$1,840$920$153
2018 Audi A4$1,786$893$149
2017 Audi A4$1,708$854$142
2016 Audi A4$1,616$808$135
2015 Audi A4$1,426$713$119
2014 Audi A4$1,524$762$127
2013 Audi A4$1,444$722$120

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 August 12, 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 $1,266 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.

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 August 11, 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$3,486$291
Philadelphia, PA$3,098$258
Las Vegas, NV$3,090$258
Los Angeles, CA$3,080$257
San Francisco, CA$2,672$223
Kansas City, MO$2,384$199
Oklahoma City, OK$2,384$199
Denver, CO$2,338$195
Memphis, TN$2,338$195
Atlanta, GA$2,308$192
San Jose, CA$2,244$187
Phoenix, AZ$2,186$182
Portland, OR$2,158$180
San Diego, CA$2,146$179
Boston, MA$2,138$178
Jacksonville, FL$2,128$177
Chicago, IL$2,080$173
Dallas, TX$2,048$171
Houston, TX$2,034$170
Seattle, WA$2,030$169
Nashville, TN$1,954$163
Milwaukee, WI$1,944$162
Albuquerque, NM$1,912$159
San Antonio, TX$1,850$154
Omaha, NE$1,800$150
Fort Worth, TX$1,792$149
Austin, TX$1,768$147
Indianapolis, IN$1,616$135
Columbus, OH$1,490$124
Charlotte, NC$1,426$119

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.

Audi A4 Average Insurance Cost by State for 2023
U.S. State Annual Cost Six-month Cost Monthly Cost
Alabama$1,800$900$150
Alaska$1,520$760$127
Arizona$1,834$917$153
Arkansas$2,088$1,044$174
California$2,406$1,203$201
Colorado$2,138$1,069$178
Connecticut$2,220$1,110$185
Delaware$2,266$1,133$189
Florida$2,468$1,234$206
Georgia$2,040$1,020$170
Hawaii$1,374$687$115
Idaho$1,436$718$120
Illinois$1,756$878$146
Indiana$1,500$750$125
Iowa$1,348$674$112
Kansas$1,964$982$164
Kentucky$2,136$1,068$178
Louisiana$2,358$1,179$197
Maine$1,216$608$101
Maryland$1,858$929$155
Massachusetts$2,172$1,086$181
Michigan$2,698$1,349$225
Minnesota$1,718$859$143
Mississippi$1,950$975$163
Missouri$2,248$1,124$187
Montana$1,834$917$153
Nebraska$1,674$837$140
Nevada$2,380$1,190$198
New Hampshire$1,348$674$112
New Jersey$2,410$1,205$201
New Mexico$1,648$824$137
New York$2,306$1,153$192
North Carolina$1,262$631$105
North Dakota$1,662$831$139
Ohio$1,408$704$117
Oklahoma$2,194$1,097$183
Oregon$1,866$933$156
Pennsylvania$1,920$960$160
Rhode Island$2,462$1,231$205
South Carolina$1,676$838$140
South Dakota$2,048$1,024$171
Tennessee$1,902$951$159
Texas$1,856$928$155
Utah$1,754$877$146
Vermont$1,464$732$122
Virginia$1,340$670$112
Washington$1,804$902$150
West Virginia$1,784$892$149
Wisconsin$1,440$720$120
Wyoming$1,776$888$148

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 August 11, 2023
Audi A4 insurance rates by U.S. state