Audi Q4 Car Insurance Cost for 2023

• Car insurance rates for an Audi Q4 average $2,120 per year or around $177 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 $160 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 $1,982 per year, while the Q4 Sportback 50 e-tron Prestige is the most expensive to insure at $2,204 per year.

How much does Audi Q4 insurance cost?

Ranked 33^rd out of 37 vehicles in the 2023 compact luxury SUV class, Audi Q4 insurance costs on average $2,120 a year for full coverage, or about $177 if paid each month.

Depending on the Q4 trim level being insured, monthly car insurance rates for a 2023 Audi Q4 range from $165 to $184, 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 $1,960 per year, so the Audi Q4 costs $160 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 $7,520 per year for a 16-year-old driver, $7,064 per year for a 17-year-old driver, $6,612 per year for an 18-year-old driver, and $6,006 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 $558 per year. Serious convictions like a DUI could raise rates by an additional $1,956 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 $3,290 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 $64 and $183 on your annual Q4 insurance bill, depending on the age of the driver.
• Driver gender influences rates. For a 2023 Audi Q4, a 20-year-old male pays an estimated $4,230 per year, while a 20-year-old female pays $3,122, a difference of $1,108 per year. Women get significantly cheaper rates. But by age 50, male rates are $1,930 and the rate for women is $1,890, a difference of only $40.
• 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 $360 per year.
• Safer drivers pay lower rates. Having at-fault accidents will cost you more, possibly as much as $2,976 per year for a 20-year-old driver and even $640 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 $276 more per year than the Mercedes-Benz GLC300, $12 less per year than the BMW X3, $78 more per year than the Audi Q5, and $268 more per year than the Volvo XC60.

The Audi Q4 ranks 33^rd out of 37 comparison vehicles in the small luxury SUV category for most affordable car insurance rates. The Q4 costs an average of $2,120 per year for full coverage car insurance and the class median price is $1,960 annually, a difference of $160 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.