Audi Q4 Car Insurance Comparisons: Find Out Where It Ranks

• Car insurance rates for an Audi Q4 average $2,216 per year or around $185 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 $158 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 $2,076 per year, while the Q4 Sportback e-tron Prestige is the most expensive to insure at $2,306 per year.

How much does Audi Q4 insurance cost?

Ranked 31^st out of 38 vehicles in the 2024 compact luxury SUV class, Audi Q4 insurance costs on average $2,216 a year for full coverage, or about $185 if paid each month.

Depending on the Q4 trim level being insured, monthly car insurance rates for a 2024 Audi Q4 range from $173 to $192, with the 40 e-tron Premium being cheapest and the Sportback e-tron Prestige costing the most to insure.

The average cost to insure a vehicle in the small luxury SUV segment is $2,058 per year, so the Audi Q4 costs $158 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.

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.

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 $7,854 per year for a 16-year-old driver, $7,635 per year for a 17-year-old driver, $6,893 per year for an 18-year-old driver, and $6,253 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 $588 per year. Serious convictions like a DUI could raise rates by an additional $2,064 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 $3,500 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 $66 and $185 on your annual Q4 insurance bill, depending on the age of the driver.
• Driver gender influences rates. For a 2024 Audi Q4, a 20-year-old male pays an estimated $4,474 per year, while a 20-year-old female pays $3,202, a difference of $1,272 per year. Women get significantly cheaper rates. But by age 50, male rates are $1,958 and the rate for women is $1,910, a difference of only $48.
• 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 $376 per year.
• Safer drivers pay lower rates. Having at-fault accidents will cost you more, possibly as much as $3,176 per year for a 20-year-old driver and even $530 per year for a 60-year-old driver.

Audi Q4 insurance rates compared to similar models

When compared to other vehicles in the small luxury SUV class, insurance prices for an Audi Q4 cost $182 more per year than the Mercedes-Benz GLC300, $22 less per year than the BMW X3, $106 more per year than the Audi Q5, and $296 more per year than the Volvo XC60.

The Audi Q4 ranks 31^st out of 38 comparison vehicles in the small luxury SUV category for most affordable car insurance rates. The Q4 costs an average of $2,216 per year for full coverage car insurance and the class median price is $2,058 annually, a difference of $158 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.