Audi Q4 Car Insurance Cost for 2022

How much does Audi Q4 car insurance cost? We break down car insurance rates from the base Q4 40 e-tron Premium to the Sportback 50 e-tron Prestige trim to find out how prices compare to other small luxury SUVs.

Start QuoteCompare Q4 car insurance rates and save on your next policy.

  • Car insurance rates for an Audi Q4 average $1,776 per year or around $148 per month, but can vary based on the age of the rated driver.
  • The Audi Q4 is one of the more expensive small luxury SUVs to insure, costing $75 more per year on average as compared to the rest of the vehicles in the segment.
  • The cheapest Q4 trim to insure is the 40 e-tron Premium trim level at an estimated $1,648 per year, while the Q4 Sportback 50 e-tron Prestige is the most expensive to insure at $1,864 per year.

How much does Audi Q4 insurance cost?

Ranked #25 out of 34 vehicles in the compact luxury SUV class, Audi Q4 insurance costs on average $1,776 a year for full coverage, or about $148 if paid each month.

Depending on the Q4 trim level being insured, monthly car insurance rates for a 2022 Audi Q4 range from $137 to $155, with the 40 e-tron Premium being cheapest and the Sportback 50 e-tron Prestige costing the most to insure.

The average cost to insure a vehicle in the small luxury SUV segment is $1,701 per year, so the Audi Q4 costs $75 more to insure each year than the average rate for the segment.

The next chart illustrates how Audi Q4 car insurance prices can change with changes in the rated driver age and the chosen policy deductibles. As shown in the chart, rates decrease for older drivers and for higher policy deductible limits.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Audi Q4 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Audi Q4 trim levels.Data last updated on April 14, 2022
Audi Q4 Car Insurance Rates
Audi Q4 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,940$245
$500$3,540$295
$250$4,172$348
30$1,000$1,554$130
$500$1,888$157
$250$2,234$186
40$1,000$1,470$123
$500$1,776$148
$250$2,094$175
50$1,000$1,342$112
$500$1,616$135
$250$1,904$159
60$1,000$1,318$110
$500$1,588$132
$250$1,872$156

The next table details the estimated yearly and semi-annual policy costs, plus a monthly budget estimate, for each Audi Q4 model and trim level.

2022 Audi Q4 Insurance Cost by Trim Level
Audi Q4 Trim Level Annual Policy 6-month Policy Per Month
40 e-tron Premium$1,648$824$137
40 e-tron Premium Plus$1,714$857$143
50 e-tron Premium$1,744$872$145
Sportback 50 e-tron Premium$1,780$890$148
50 e-tron Premium Plus$1,794$897$150
Sportback 50 e-tron Premium Plus$1,828$914$152
50 e-tron Prestige$1,834$917$153
Sportback 50 e-tron Prestige$1,864$932$155

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Audi Q4, 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 March 8, 2022
Audi Q4 Insurance Cost by Trim Level

Additional rates and insights

A few additional data insights concerning the cost of insurance for a Q4 include:

  • The cost to insure teen drivers is expensive. Average rates for full coverage Q4 insurance costs $6,200 per year for a 16-year-old driver, $5,848 per year for a 17-year-old driver, $5,482 per year for a 18-year-old driver, and $4,996 per year for a 19-year-old driver.
  • Driving violations increase insurance rates. If you want to pay the cheapest price for Q4 insurance rates, it pays to be an excellent driver. In fact, just a few blemishes on your motor vehicle report could result in increasing Q4 insurance cost as much as $462 per year. Serious convictions like a DUI could raise rates by an additional $1,626 or more.
  • Q4 insurance is expensive for high-risk drivers. For a 20-year-old driver, having to buy a high-risk insurance policy could trigger a rate increase of $2,738 or more per year.
  • Get better rates due to your occupation. The vast majority of auto insurance companies offer discounts for certain occupations like emergency medical technicians, lawyers, dentists, college professors, firefighters, and others. By earning this discount on your policy you could potentially save between $53 and $158 on your annual Q4 insurance bill, depending on the age of the driver.
  • Driver gender influences rates. For a 2022 Audi Q4, a 20-year-old male pays an estimated $3,540 per year, while a 20-year-old female pays $2,608, a difference of $932 per year. Women get significantly cheaper rates. But by age 50, male rates are $1,616 and the rate for women is $1,584, a difference of only $32.
  • Get cheaper rates by researching discounts. Discounts may be available if the policyholders choose electronic billing, are loyal customers, take a defensive driving course, work in certain occupations, sign their policy early, or many other discounts which could save the average driver as much as $300 per year.
  • Safer drivers pay lower rates. Having at-fault accidents will cost you more, possibly as much as $2,478 per year for a 20-year-old driver and even $526 per year for a 60-year-old driver.

Does Q4 insurance cost more than similar vehicles?

When compared to other vehicles in the small luxury SUV class, insurance prices for an Audi Q4 cost $172 more per year than the Mercedes-Benz GLC300, $78 less per year than the BMW X3, $20 more per year than the Audi Q5, and $150 more per year than the Volvo XC60.

The Audi Q4 ranks #25 out of 34 comparison vehicles in the small luxury SUV category for most affordable car insurance rates. The Q4 costs an average of $1,776 per year for full coverage car insurance and the class median price is $1,701 annually, a difference of $75 per year.

The table below shows how insurance rates for an Audi Q4 fare against the top 10 selling small luxury SUVs like the Acura RDX, Volvo XC60, and the Cadillac XT4.

Insurance Cost Comparison: Audi Q4 vs Small Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Acura RDX$1,298-$478
2Cadillac XT4$1,330-$446
3Volvo XC40$1,456-$320
4Lexus NX 250$1,504-$272
5BMW X1$1,506-$270
6Lexus NX 350h$1,514-$262
7Lexus UX 250h$1,516-$260
8Lexus NX 350$1,542-$234
9Lexus UX 200$1,548-$228
10Lexus NX 450h$1,584-$192
11Mercedes-Benz GLB 250$1,590-$186
12Land Rover Evoque$1,600-$176
13Lincoln Corsair$1,602-$174
14Mercedes-Benz GLC300$1,604-$172
15Volvo C40$1,618-$158
16Mercedes-Benz GLA250$1,620-$156
17Volvo XC60$1,626-$150
18BMW X2$1,678-$98
19Audi Q3$1,700-$76
20Mercedes-Benz GLA35 AMG$1,704-$72
21Infiniti QX55$1,714-$62
22Genesis GV70$1,734-$42
23Mercedes-Benz GLA45 AMG$1,754-$22
24Audi Q5$1,756-$20
25Audi Q4$1,776--
26Land Rover Defender$1,786$10
27Land Rover Range Rover Velar$1,792$16
28Alfa Romeo Stelvio$1,828$52
29BMW X3$1,854$78
30Porsche Macan$1,918$142
31Jaguar I-Pace$1,958$182
32Jaguar F-Pace$2,012$236
33BMW X4$2,066$290
34Aston Martin DBX$2,750$974

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 March 8, 2022
Insurance Cost Comparison: Audi Q4 vs Small Luxury SUVs