How Much Does Audi A4 Insurance Cost? – 2022 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 $1,766 per year for full coverage, or about $147 a month. This is right around the small luxury car class average rate of $1,730, and is $199 more per year than the $1,567 average for all vehicles.

The following chart demonstrates how average 2022 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 2022 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 September 13, 2022
Audi A4 Insurance Cost Summary
Audi A4 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,012$334
Safe Driver Age 20$3,516$293
At-fault Accidents Age 40$2,486$207
Low Deductibles Age 40$2,320$193
Safe Driver Age 30$1,866$156
Safe Driver Age 40$1,766$147
Safe Driver Age 50$1,608$134
Safe Driver Age 60$1,578$132
High Deductibles Age 40$1,482$124
Discount Rate Age 40$1,466$122

How does Audi A4 insurance cost rank?

The Audi A4 ranks #12 out of 19 total vehicles in the small luxury car class. The A4 costs an average of $1,766 per year for full coverage insurance and the category median average cost is $1,730 annually, a difference of $36 per year.

When average rates are compared directly to the most popular models in the small luxury car segment, A4 insurance costs $154 more per year than the BMW 330i, $48 less than the Mercedes-Benz C300, $128 more than the Volvo S60, and $146 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 2022 model year.

Insurance Cost Comparison: Audi A4 vs Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1Mercedes-Benz A220$1,500-$266
2BMW 330i$1,612-$154
3Acura TLX$1,620-$146
4Volvo S60$1,638-$128
5BMW 330e$1,642-$124
6BMW 228i$1,652-$114
7BMW 230i$1,664-$102
8Alfa Romeo Giulia$1,692-$74
9Cadillac CT4$1,694-$72
10Lexus RC 350$1,698-$68
11Genesis G70$1,720-$46
12Audi A4$1,766--
13Audi S3$1,772$6
14Mercedes-Benz C300$1,814$48
15BMW M235i$1,852$86
16Audi RS 3$1,856$90
17BMW M240i$1,884$118
18Lexus IS 350$1,898$132
19BMW M340i$1,902$136

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 September 13, 2022
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 $47,156, the cost to purchase a 2022 Audi A4 ranges from $39,900 to $55,400, before delivery charges and dealer documentation fees.

The four compact luxury car models most similar in price to the A4 for the 2022 model year are the Volvo S60, Genesis G70, Lexus RC 350, and BMW M240i.

Here’s how those models compare to a 2022 Audi A4 for both MSRP and the average cost to insure.

  • Compared to the Volvo S60 – For a new 2022 model, the MSRP for the Volvo S60 averages $704 more than the Audi A4 ($47,860 compared to $47,156). Insuring an Audi A4 compared to the Volvo S60 costs an average of $128 more every 12 months.
  • Compared to the Genesis G70 – The average MSRP for a 2022 Audi A4 is $1,123 more expensive than the Genesis G70, at $47,156 compared to $46,033. Expect to pay approximately $46 less per year for full-coverage insurance on the Genesis G70 compared to an A4.
  • Compared to the Lexus RC 350 – The Lexus RC 350 has an average MSRP of $48,429, ranging from $45,250 to $51,330, which is $1,273 more expensive than the average sticker price for the Audi A4. Insuring an A4 compared to the Lexus RC 350 costs an average of $68 more each year.
  • Compared to the BMW M240i – The 2022 Audi A4 has an average MSRP that is $1,394 cheaper than the BMW M240i ($47,156 versus $48,550). Insurance on the BMW M240i costs an average of $118 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 $1,654 to $1,866 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 $1,692 per year. On average, plan on budgeting at least $138 per month for a policy with full coverage.

The costliest trim levels of Audi A4 to insure are the Allroad Prestige at $1,866 and the Prestige 45 at $1,818 per year. Those trim levels will cost an extra $212 and $164 per year, respectively, over the lowest cost Premium 40 model.

The table below shows average car insurance policy costs for each 2022 Audi A4 package and trim level.

2022 Audi A4 Insurance Cost by Trim Level
Audi A4 Trim Level Annual Policy 6-month Policy Per Month
Premium 40$1,654$827$138
Premium 45$1,692$846$141
Premium Plus 40$1,734$867$145
Allroad Premium$1,748$874$146
Premium Plus 45$1,758$879$147
Allroad Premium Plus$1,804$902$150
Prestige 40$1,810$905$151
Prestige 45$1,818$909$152
Allroad Prestige$1,866$933$156

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 13, 2022
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 2022 model could save $452 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 2022 model years. The average insurance cost ranges from a minimum of $1,314 for a 2013 Audi A4 to a maximum value of $1,766 for a 2022 model year.

Audi A4 Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Audi A4$1,766$883$147
2021 Audi A4$1,712$856$143
2020 Audi A4$1,678$839$140
2019 Audi A4$1,652$826$138
2018 Audi A4$1,604$802$134
2017 Audi A4$1,554$777$130
2016 Audi A4$1,460$730$122
2015 Audi A4$1,326$663$111
2014 Audi A4$1,394$697$116
2013 Audi A4$1,314$657$110

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 September 13, 2022
Audi A4 Insurance Cost by Model Year

Can my address influence car insurance rates?

Depending on your location, the cost of insurance for an A4 can vary from lower rates like $1,100 a year in Raleigh, NC, or $1,264 in Charlotte, NC, to higher rates like $6,910 a year in Detroit, MI, and $2,928 per year for car insurance in Los Angeles, CA.

Rate averages for additional cities include El Paso, TX, costing $1,626 per year, Minneapolis, MN, averaging $1,856, Memphis, TN, at $2,178, and Austin, TX, at $1,606.

The bar chart below ranks average insurance policy premiums for an Audi A4 for the largest metro areas in America. After the chart, a more complete table is added showing average insurance rates in the 50 biggest cities.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 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 September 13, 2022
Audi A4 Insurance Rates in Large U.S. Cities
Audi A4 Insurance Rates by Location
City/State Annual Rate Monthly Rate
Detroit, MI$6,910$576
New Orleans, LA$4,130$344
Miami, FL$3,410$284
New York, NY$3,334$278
Philadelphia, PA$2,940$245
Las Vegas, NV$2,934$245
Los Angeles, CA$2,928$244
Louisville, KY$2,806$234
San Francisco, CA$2,516$210
Jacksonville, FL$2,502$209
Oakland, CA$2,498$208
Sacramento, CA$2,366$197
Baltimore, MD$2,314$193
Long Beach, CA$2,294$191
Tulsa, OK$2,240$187
Oklahoma City, OK$2,224$185
Kansas City, MO$2,224$185
Denver, CO$2,178$182
Memphis, TN$2,178$182
Atlanta, GA$2,148$179
Colorado Springs, CO$2,130$178
Fresno, CA$2,100$175
San Jose, CA$2,084$174
Phoenix, AZ$2,028$169
Portland, OR$2,002$167
San Diego, CA$1,984$165
Boston, MA$1,978$165
Wichita, KS$1,922$160
Chicago, IL$1,920$160
Dallas, TX$1,886$157
Houston, TX$1,874$156
Seattle, WA$1,872$156
Minneapolis, MN$1,856$155
Birmingham, AL$1,850$154
Nashville, TN$1,792$149
Milwaukee, WI$1,784$149
Indianapolis, IN$1,776$148
Mesa, AZ$1,776$148
Albuquerque, NM$1,750$146
Tucson, AZ$1,712$143
San Antonio, TX$1,688$141
Omaha, NE$1,638$137
Fort Worth, TX$1,628$136
El Paso, TX$1,626$136
Austin, TX$1,606$134
Cleveland, OH$1,398$117
Columbus, OH$1,328$111
Charlotte, NC$1,264$105
Virginia Beach, VA$1,184$99
Raleigh, NC$1,100$92

What is the average A4 insurance cost in my state?

When evaluating Audi A4 insurance cost at the state level, states like North Carolina ($1,122), Ohio ($1,026), and Maine ($1,222) have better insurance rates, while states like Nevada ($1,936), Florida ($2,578), and Michigan ($2,812) tend to have higher average Audi A4 insurance rates.

States like Missouri, Maryland, and Georgia have auto insurance rates that are closer to the overall average, with Audi A4 insurance rates of $1,872, $1,592, and $1,706 per year, respectively.

Audi A4 Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,436$718$120
Alaska$1,548$774$129
Arizona$1,570$785$131
Arkansas$1,888$944$157
California$2,022$1,011$169
Colorado$1,884$942$157
Connecticut$1,710$855$143
Delaware$1,792$896$149
Florida$2,578$1,289$215
Georgia$1,706$853$142
Hawaii$1,200$600$100
Idaho$1,392$696$116
Illinois$1,426$713$119
Indiana$1,320$660$110
Iowa$1,276$638$106
Kansas$1,776$888$148
Kentucky$2,052$1,026$171
Louisiana$2,554$1,277$213
Maine$1,222$611$102
Maryland$1,592$796$133
Massachusetts$1,446$723$121
Michigan$2,812$1,406$234
Minnesota$1,552$776$129
Mississippi$1,668$834$139
Missouri$1,872$936$156
Montana$1,720$860$143
Nebraska$1,686$843$141
Nevada$1,936$968$161
New Hampshire$1,064$532$89
New Jersey$1,668$834$139
New Mexico$1,414$707$118
New York$1,878$939$157
North Carolina$1,122$561$94
North Dakota$1,468$734$122
Ohio$1,026$513$86
Oklahoma$1,718$859$143
Oregon$1,478$739$123
Pennsylvania$1,484$742$124
Rhode Island$2,078$1,039$173
South Carolina$1,626$813$136
South Dakota$1,598$799$133
Tennessee$1,396$698$116
Texas$1,664$832$139
Utah$1,458$729$122
Vermont$1,174$587$98
Virginia$1,138$569$95
Washington$1,340$670$112
West Virginia$1,588$794$132
Wisconsin$1,200$600$100
Wyoming$1,620$810$135

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 September 13, 2022
Audi A4 insurance rates by U.S. state