Car insurance for an Audi A4


Most luxury sports car owners know that part of owning a high-performance car requires proper maintenance and fine-tuning of any issues at a trusted repair shop. However, the Audi A4 stands out from the competition with unique features that make it one of the most reliable sports sedans on the market today.

These aspects of the Audi A4 are also factored into its car insurance cost. The average cost of comprehensive car insurance is $1,674 per year, and the A4 is only slightly higher at around $2,000 per year. To find the best auto insurance for your Audi A4, it can help to understand what contributes to auto insurance rates and what your coverage needs are. This will help ensure that you have the best car insurance for your car and your lifestyle.

Models included in this review:

This review focuses only on the Audi A4 and its various configurations, which start at $39,100 for a 2021 base model. The prices included below for comparison purposes reflect the annual premiums listed for a 2019 Audi A4.

How much does Audi A4 insurance cost?

As mentioned, the average car insurance cost for an Audi A4 is $2,000 per year for full coverage. This figure, although based on annual premiums provided by Quadrant Information Services, is useful for comparison purposes, but does not reflect your actual rate. Many factors can affect your premiums, including model year, trim level and optional equipment. Here are some vehicle-related factors that could affect Audi A4 car insurance costs:

  • Crash rate statistics by make/model: The Audi A4 is one of the Insurance Institute for Highway Safety’s (IIHS) top picks, receiving top marks. Additionally, 2021 models that include optional safety equipment have earned a “superior” rating from the IIHS. Its strong reputation as a safe vehicle in the event of an accident may be a significant reason why Audi A4 insurance premiums are lower than the vehicle class average.
  • Parts prices: Audi is a German luxury vehicle manufacturer. Parts tend to be more expensive than average due to parts import costs. Because of this factor, rates may be higher for the Audi A4 compared to a 2019 Toyota Camry, for example, which is used in our National Average Annual Rate discount rate calculation.
  • Safety devices: Part of the reason the Audi A4 received a high safety rating from the IIHS is the driver assistance and collision avoidance equipment available in newer models. Safety features include standard working daytime running lights and side, front and rear curtain airbags and driver/passenger knee airbags, plus available lane departure warning/warning and crash sensors. ‘blind spot.

Car insurance for an Audi A4

While it’s helpful to know that your auto insurance rates may vary based on personal and vehicle-related factors, the following rates can give you an idea of ​​how much you can expect to pay for annual insurance for a car. minimal and comprehensive coverage for an Audi A4. .

Comprehensive coverage on an Audi A4 is above the national average, primarily because it reflects the costs of repairing and replacing the vehicle. Genuine Audi parts can be more expensive as they are imported and additionally, certified technicians who specialize in luxury European models tend to charge higher labor costs. This means that repairing an Audi after an accident or other covered peril could cost more than average.

Audi A4 car insurance Average annual premium
Minimum coverage $474
Full coverage $2,000

The cheapest car insurance companies for Audi A4s

Finding cheaper rates for Audi A4 insurance comes down to comparing quotes and coverage options from providers in your area. You could also save on coverage if you choose the right carrier with discounts you may be eligible for.

The following five carriers are among the largest in terms of market share, offering nationwide Audi A4 coverage. USAA is only available to eligible military personnel and family, but other insurance companies provide coverage for drivers of all ages and locations. Take a look at how the same level of insurance can vary depending on the company you choose. While the national average for an Audi A4 sits at $2,000 per year for full coverage, the chart below shows how much that amount can vary depending on the auto insurance company. Based on our research, the top vendors by market share all offered premiums well below the national average for 2019 A4s.

Average annual premium for full coverage per model

Audi A4 Features That Impact Insurance Costs

The Audi A4 is an excellent entry-level luxury sports sedan, built on high reliability and safety ratings that make auto insurance more affordable for sports or luxury car enthusiasts. Some of the features that could help keep the cost of coverage down include:

  • Standard daytime running lights: These improve the visibility of the A4 for other drivers on the road.
  • Side seat airbags: This reduces the risk of serious injury in the event of a side collision.
  • Lane departure warning and prevention: These optional safety features warn you if you begin to drift due to drowsiness or other distractions before colliding with another vehicle or object. Lane Departure Prevention takes this a step further by preventing your A4 from drifting or changing lanes.
  • Adaptive Cruise Control: This safety function maintains a predefined distance between the Audi A4 and the vehicle in front. For drivers traveling through traffic jams, this feature could help avoid a rush hour crash.
  • Top view camera system: All of the Audi A4’s cameras work together to present a view of the car in relation to the environment around it. With this feature, drivers can be more aware of objects around them, especially in blind spots and other hard-to-see areas.
  • Parking assistance : For drivers navigating tight parking spaces, the park assist feature could be a useful tool. This system helps steer the car when parking in a perpendicular or parallel space, although the driver still controls the Audi’s acceleration and braking.

Other auto insurance coverage for an Audi A4

Most states require car owners to maintain a minimum amount of car insuranceand on their vehicles, with fixed amounts for both bodily injury and property damage civil liability. While this may translate to cheap auto insurance, it may not provide enough financial protection. If you were to have an at-fault accident, all costs incurred by the other party would be paid up to the insurance limit, while the rest would be paid out of your pocket.

For this reason, it may be worth considering purchasing higher limits for both liability coverage options. To protect yourself and your vehicle, you can also purchase medical payments (if applicable) as well as comprehensive and collision coverage. These last two options may also be required if you lease or have a lien on your Audi A4 through your financial institution.

Other ways to further customize your car insurance can be to add roadside assistance, rental car reimbursement, and even gap coverage if you buy your Audi A4 new from the dealership. Taking the time to make sure you have the right auto insurance for your Audi 4 is one of the best ways to ensure you’re protected every time you get behind the wheel.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our basic profile drivers own a 2019 Audi A4, commute five days a week and drive 12,000 miles a year.

These are sampling rates and should only be used for comparison purposes.

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