Audi A4 Insurance Cost

Full coverage for a Audi A4 costs about $1,565 a year ($130/month) by our estimate — ▼ −2% versus the average vehicle.

Audi A4 exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Audi A4 insurance cost at a glance

Full coverage

$1,565

$130/mo · $1,285–$1,845

Minimum liability

$535

$45/mo

Segment

Luxury car

Gasoline, Hybrid, Flex-fuel

HLDI collision losses

133

Much worse than average (100 = avg)

NHTSA overall

★★★★★

2025 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2025 model year. Our vehicle data covers the 2005–2025 model years of the Audi A4, which is no longer in production.

Estimated Audi A4 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$535	$45	$440–$635
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$780	$65	$640–$920
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,565	$130	$1,285–$1,845

What drives the cost of insuring a Audi A4

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Audi A4's results put our vehicle factor at 0.88× for liability, 1.34× for collision and 1.01× for comprehensive.

HLDI relative insurance losses — Audi A4 4dr 4WD (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	133	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	97	Average	Theft, vandalism, glass, weather and animal damage
Property damage liability	79	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	86	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	78	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	93	Better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Audi A4 4dr 4WD	133	97	79	86
Audi A4 Allroad station wagon 4WD	166	108	57	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 5★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 1 NHTSA recall campaigns and 17 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi A4 trims and configurations (2025)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
A4 S line quattro	AWD	2.0L 4-cyl Turbo Hybrid	26
A4 allroad quattro	AWD	2.0L 4-cyl Turbo Hybrid	26
A4 quattro	AWD	2.0L 4-cyl Turbo Hybrid	29

Audi A4 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2025	2.0L 4-cyl Turbo Hybrid	AWD	26–29	$1,565
2024	2.0L 4-cyl Turbo Hybrid	AWD	26–30	$1,525
2023	2.0L 4-cyl Turbo Hybrid	AWD	26–28	$1,485
2022	2.0L 4-cyl Turbo Hybrid	AWD	26–29	$1,450
2021	2.0L 4-cyl Turbo Hybrid	AWD	26–28	$1,410
2020	2.0L 4-cyl Turbo	AWD, FWD	26–30	$1,370
2019	2.0L 4-cyl Turbo	AWD, FWD	25–30	$1,330
2018	2.0L 4-cyl Turbo	AWD, FWD	27–31	$1,290
2017	2.0L 4-cyl Turbo	AWD, FWD	25–31	$1,255
2016	2.0L 4-cyl Turbo	AWD, FWD	24–27	$1,215
2015	2.0L 4-cyl Turbo	AWD, FWD	24–26	$1,210
2014	2.0L 4-cyl Turbo	AWD, FWD	23–26	$1,210
2013	2.0L 4-cyl Turbo	AWD, FWD	23–26	$1,210
2012	2.0L 4-cyl Turbo	AWD, FWD	24–25	$1,210
2011	2.0L 4-cyl Turbo	AWD, FWD	24–25	$1,210
2010	2.0L 4-cyl Turbo	AWD, FWD	23–26	$1,210
2009	2.0L 4-cyl Turbo, 3.1L 6-cyl, 3.2L 6-cyl	4WD/AWD, FWD	20–25	$1,210
2008	2.0L 4-cyl Turbo, 3.1L 6-cyl	4WD/AWD, FWD	19–24	$1,210
2007	2.0L 4-cyl Turbo, 3.1L 6-cyl	4WD/AWD, FWD	19–24	$1,210
2006	1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo, 3.0L 6-cyl	4WD/AWD, FWD	18–24	$1,210

Audi A4 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the A4 page for that state.

State	Full coverage	Minimum	vs. national	A4 page
Alabama	$1,380	$420	−12%	A4 in AL
Alaska	$1,385	$545	−12%	A4 in AK
Arizona	$1,625	$580	+4%	A4 in AZ
Arkansas	$1,405	$395	−10%	A4 in AR
California	$1,580	$500	+1%	A4 in CA
Colorado	$1,760	$570	+12%	A4 in CO
Connecticut	$1,650	$625	+5%	A4 in CT
Delaware	$1,705	$700	+9%	A4 in DE
District of Columbia	$1,995	$650	+27%	A4 in DC
Florida	$2,155	$945	+38%	A4 in FL
Georgia	$1,895	$765	+21%	A4 in GA
Hawaii	$1,105	$380	−29%	A4 in HI
Idaho	$1,065	$350	−32%	A4 in ID
Illinois	$1,370	$435	−12%	A4 in IL
Indiana	$1,125	$355	−28%	A4 in IN
Iowa	$1,075	$270	−31%	A4 in IA
Kansas	$1,260	$355	−19%	A4 in KS
Kentucky	$1,305	$460	−17%	A4 in KY
Louisiana	$2,145	$695	+37%	A4 in LA
Maine	$1,010	$370	−35%	A4 in ME
Maryland	$1,745	$660	+12%	A4 in MD
Massachusetts	$1,555	$520	−1%	A4 in MA
Michigan	$1,725	$670	+10%	A4 in MI
Minnesota	$1,310	$410	−16%	A4 in MN
Mississippi	$1,505	$465	−4%	A4 in MS
Missouri	$1,420	$450	−9%	A4 in MO
Montana	$1,260	$345	−19%	A4 in MT
Nebraska	$1,265	$355	−19%	A4 in NE
Nevada	$1,745	$760	+12%	A4 in NV
New Hampshire	$1,135	$350	−27%	A4 in NH
New Jersey	$1,845	$820	+18%	A4 in NJ
New Mexico	$1,410	$455	−10%	A4 in NM
New York	$2,060	$815	+32%	A4 in NY
North Carolina	$1,205	$390	−23%	A4 in NC
North Dakota	$1,025	$240	−35%	A4 in ND
Ohio	$1,130	$355	−28%	A4 in OH
Oklahoma	$1,420	$415	−9%	A4 in OK
Oregon	$1,375	$550	−12%	A4 in OR
Pennsylvania	$1,390	$370	−11%	A4 in PA
Rhode Island	$1,870	$720	+19%	A4 in RI
South Carolina	$1,630	$640	+4%	A4 in SC
South Dakota	$1,210	$275	−23%	A4 in SD
Tennessee	$1,320	$395	−16%	A4 in TN
Texas	$1,860	$605	+19%	A4 in TX
Utah	$1,400	$570	−11%	A4 in UT
Vermont	$1,050	$280	−33%	A4 in VT
Virginia	$1,345	$550	−14%	A4 in VA
Washington	$1,345	$515	−14%	A4 in WA
West Virginia	$1,320	$380	−16%	A4 in WV
Wisconsin	$1,075	$325	−31%	A4 in WI
Wyoming	$1,240	$285	−21%	A4 in WY

Audi A4 insurance by driver profile

Estimated annual Audi A4 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,475	$2,140	$4,300	$358
Young adult (22)	$860	$1,245	$2,505	$209
Adult in their 30s	$535	$780	$1,565	$130
Adult in their 50s	$495	$715	$1,440	$120
Senior (72)	$600	$875	$1,750	$146
30s, one at-fault accident	$780	$1,130	$2,270	$189
30s, DUI on record	$995	$1,440	$2,895	$241

Audi A4 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi A4	$1,565	133	97	—
Lexus ES	$1,590	121	108	Compare
Acura Integra	$1,640	120	100	Compare
BMW i4	$1,920	163	103	Compare

Estimate Audi A4 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Audi models

A3 $1,615/yr
A5 $1,735/yr
A6 e-tron $1,910/yr
A8 $2,865/yr
e-tron GT $2,195/yr
Q3 $1,440/yr
Q6 e-tron $1,870/yr
Q8 $1,835/yr
RS 3 $1,810/yr
RS Q8 $2,340/yr
S3 $1,520/yr
S5 $1,830/yr
S8 $2,665/yr
SQ5 $1,720/yr
SQ8 $2,240/yr
A6 $1,860/yr
Q4 e-tron $1,615/yr
Q5 $1,500/yr
Q7 $1,570/yr
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A7 $1,825/yr
Q8 e-tron $2,015/yr
RS 5 $2,045/yr
S4 $2,020/yr
S6 $1,835/yr
S7 $2,015/yr
e-tron $1,685/yr
R8 $1,975/yr

All Audi insurance costs →

Frequently asked questions

How much is insurance for a Audi A4?

We estimate about $1,565 a year ($130 a month) for full coverage and $535 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% less than the average vehicle.

Is the Audi A4 expensive to insure?

HLDI insurance-loss data rates it at 133 for collision and 97 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi A4?

Maine has the lowest estimate (about $1,010 a year for full coverage) and Florida the highest (about $2,155).

What is the Audi A4's NHTSA safety rating?

The 2025 Audi A4 earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Audi A4 cheaper to insure than the Lexus ES?

By our estimate the Audi A4 costs about $1,565 a year versus $1,630 for the Lexus ES, making it the cheaper of the two to insure.

How much is Audi A4 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,300 a year at national-average rates by our estimate.

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.

Sources used on this page