Audi A4 vs BMW i4 Insurance Cost
The Audi A4 is cheaper to insure by about $355 a year for full coverage by our estimate ($1,565 vs. $1,920), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Audi A4 | BMW i4 | Difference |
|---|---|---|---|
| State minimum | $535 | $660 | −$125 |
| Standard (100/300/100) | $780 | $960 | −$180 |
| Full coverage | $1,565 | $1,920 | −$355 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = A4 minus i4.
Why one costs more to insure
| Factor | Audi A4 | BMW i4 |
|---|---|---|
| Segment | Luxury car | Luxury car |
| Powertrains | Gasoline, Hybrid, Flex-fuel | Electric |
| HLDI collision (100 = avg) | 133 | 163 |
| HLDI comprehensive | 97 | 103 |
| HLDI property damage liability | 79 | 122 |
| HLDI bodily injury liability | 86 | 106 |
| NHTSA overall rating | 5★ | — |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 1 | 4 |
Collision losses are the biggest swing factor: the BMW i4 has 30 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
A4 vs i4 insurance by state
By driver profile (full coverage)
| Driver | A4 | i4 |
|---|---|---|
| Teen driver (18, own policy) | $4,300 | $5,280 |
| Young adult (22) | $2,505 | $3,070 |
| Adult in their 30s | $1,565 | $1,920 |
| Adult in their 50s | $1,440 | $1,765 |
| Senior (72) | $1,750 | $2,150 |
| 30s, one at-fault accident | $2,270 | $2,785 |
| 30s, DUI on record | $2,895 | $3,550 |
More comparisons
Frequently asked questions
Is the Audi A4 or the BMW i4 cheaper to insure?
By our estimate the Audi A4 is cheaper, by about $355 a year for full coverage ($1,565 vs. $1,920) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Audi A4 and BMW i4?
Mostly because of insurance-loss history: HLDI collision indices of 133 vs. 163 and comprehensive indices of 97 vs. 103 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.