How Much Does Audi A4 Insurance Cost? – 2022 Rates and Rankings

• Audi A4 insurance rates average $1,766 per year or $883 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 #12 out of 19 total comparison vehicles.
• The cheapest Audi A4 insurance is on the A4 Premium 40 model at an estimated $1,654 per year.
• The A4 Allroad Prestige is the most expensive to insure at $1,866 per year.

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.

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.

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.

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.

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.

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.