Audi A4 Car Insurance Quotes (2025)
Full-coverage Audi A4 car insurance costs $223 per month, or $2,676 per year, which is slightly above the national average for similar cars.
Secure. Free. Easy-to-use.
Excellent
)
Written byMiranda Marquit
)
Co-hosts the Money Talks News podcast
MBA from Utah State University
Miranda is a financial writer and avid podcaster with nearly two decades of experience contributing to major outlets, including Forbes, The Hill, and NPR.
Featured in
){kind=logo}
){kind=small}
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
The average cost of Audi A4 car insurance is $119 per month for liability-only coverage and $223 per month for full coverage, according to Insurify data.
In 2024, sales of the Audi A4 were down 45% compared to 2023.[1] Other luxury-brand cars, like the BMW 3 Series and the Lexus IS, are similarly priced to the Audi A4, with a manufacturer’s suggested retail price (MSRP) ranging between just over $40,000 and almost $46,000.[2]
Quick Facts
New York drivers pay the highest average rates for Audi car insurance, at $551 per month.
The Audi A4 received an above-average reliability score of 78 out of 100 from Consumer Reports.
USAA, GEICO, and State Farm offer some of the cheapest auto insurance rates for the Audi A4.
Cost of Audi A4 insurance by model year
The average car insurance cost for the Audi A4 is $223 per month for full coverage and $119 per month for liability coverage. But insurance companies base rates on a variety of factors, including a vehicle’s model year.
The table below shows the average insurance premiums for the Audi A4 based on model year.
Model Year  | Average Monthly Quote |
|---|---|
| 2025 | $124 |
| 2024 | $108 |
| 2023 | $133 |
| 2022 | $167 |
| 2021 | $160 |
| 2020 | $134 |
| 2019 | $125 |
| 2018 | $125 |
| 2017 | $132 |
| 2016 | $138 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance for Your Audi A4
Compare rates from the nation’s leading insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
The starting MSRP for the 2025 Audi A4 is $44,100. The cost may be higher depending on the trim level and whether you select additional features.
The table below includes average full-coverage quotes from various insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $144 State Farm $173 Allstate $193 GEICO $213 American Family $222 Progressive $228 Nationwide $265 Travelers $279 Farmers $337 Liberty Mutual $366 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When it was released, the 2024 Audi A4 had a starting MSRP of $41,900. But if you buy the car used, you may be able to get a lower price, closer to $38,000.[3]
When insuring this model year, compare premiums from several companies, with the table below as a starting point.
Insurance CompanyAverage Monthly QuoteUSAA $139 State Farm $167 Allstate $186 GEICO $206 American Family $214 Progressive $220 Nationwide $256 Travelers $270 Farmers $325 Liberty Mutual $353 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for the 2023 Audi A4 was $41,395. But it’s an older vehicle now, and you might be able to get one for closer to $30,000 today.
Once you decide on the car, you need to get an insurance policy. The table below can help you compare full-coverage car insurance rates from different companies for the 2023 Audi A4.
Insurance CompanyAverage Monthly QuoteUSAA $139 State Farm $166 Allstate $186 GEICO $205 American Family $213 Progressive $219 Nationwide $255 Travelers $269 Farmers $324 Liberty Mutual $352 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original base MSRP for the 2022 Audi A4 was $39,900. Today, you might be able to find a used model for between $27,000 and $28,000.
Your insurance cost depends on what coverage options you choose and your driver characteristics, but you can use the table below to begin comparison shopping.
Insurance CompanyAverage Monthly QuoteUSAA $133 State Farm $159 Allstate $178 GEICO $196 American Family $204 Progressive $209 Nationwide $244 Travelers $257 Farmers $310 Liberty Mutual $337 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Starting at $39,100, the 2021 Audi A4 has decreased in price over the years.
While discounts can help reduce prices, the table below provides an idea of what insurance companies might charge for full coverage.
Insurance CompanyAverage Monthly QuoteUSAA $126 State Farm $151 Allstate $169 GEICO $186 American Family $194 Progressive $199 Nationwide $232 Travelers $244 Farmers $295 Liberty Mutual $320 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
When new, the 2020 Audi A4 started at $38,395 MSRP, although you might be able to get one for about $19,000 now.
Individual insurance quotes depend on several factors, including your driving record, location, and personal characteristics, but you can start comparing quotes for this model year using the table below.
Insurance CompanyAverage Monthly QuoteUSAA $123 State Farm $148 Allstate $165 GEICO $182 American Family $189 Progressive $194 Nationwide $226 Travelers $239 Farmers $288 Liberty Mutual $312 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for the Audi A4 was $37,400, but you can probably find one for much less today, since this is an older vehicle.
Your insurance premium might vary based on policy options, car mileage, and driver characteristics. Get an idea of what you might pay from each company using the table below.
Insurance CompanyAverage Monthly QuoteUSAA $121 State Farm $145 Allstate $161 GEICO $178 American Family $186 Progressive $190 Nationwide $222 Travelers $234 Farmers $282 Liberty Mutual $306 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Drivers paid about $36,000 when the 2018 Audi A4 was first released, but today you’re likely to find models in the $16,000 range.
Compare insurance company premiums for this model year in the table below.
Insurance CompanyAverage Monthly QuoteUSAA $118 State Farm $141 Allstate $157 GEICO $174 American Family $181 Progressive $186 Nationwide $216 Travelers $228 Farmers $275 Liberty Mutual $298 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The original base price for the 2017 Audi A4 was $34,900, and used models are available for much less today.
As you compare insurance companies, use the table below to begin your shopping for insurance.
Insurance CompanyAverage Monthly QuoteUSAA $115 State Farm $138 Allstate $154 GEICO $170 American Family $177 Progressive $182 Nationwide $212 Travelers $223 Farmers $269 Liberty Mutual $292 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Starting at $35,900, the 2016 Audi A4 MSRP was higher than the 2017 model. Today, you might be able to find one for less than $8,000.
Your insurance premiums will add to the overall cost of the car, so use the table below to begin comparing full-coverage insurance rates from different insurance companies.
Insurance CompanyAverage Monthly QuoteUSAA $113 State Farm $135 Allstate $151 GEICO $167 American Family $173 Progressive $178 Nationwide $207 Travelers $218 Farmers $263 Liberty Mutual $286 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost of Audi A4 insurance by state
In addition to factors like your claims history, coverage level, driving experience, and credit-based insurance score, your car insurance cost also varies by location.
Here, you can see how Audi insurance rates across all models vary by state. Alaska and Hawaii are not included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $167 |
| Arizona | $204 |
| Arkansas | $300 |
| California | $282 |
| Colorado | $257 |
| Connecticut | $392 |
| Delaware | $288 |
| Florida | $269 |
| Georgia | $292 |
| Idaho | $146 |
| Illinois | $199 |
| Indiana | $169 |
| Iowa | $142 |
| Kansas | $193 |
| Kentucky | $254 |
| Louisiana | $260 |
| Maine | $176 |
| Maryland | $397 |
| Massachusetts | $208 |
| Michigan | $324 |
| Minnesota | $229 |
| Mississippi | $243 |
| Missouri | $226 |
| Montana | $194 |
| Nebraska | $205 |
| Nevada | $329 |
| New Hampshire | $132 |
| New Jersey | $208 |
| New Mexico | $186 |
| New York | $551 |
| North Carolina | $110 |
| North Dakota | $161 |
| Ohio | $151 |
| Oklahoma | $208 |
| Oregon | $188 |
| Pennsylvania | $202 |
| Rhode Island | $173 |
| South Carolina | $316 |
| South Dakota | $151 |
| Tennessee | $175 |
| Texas | $276 |
| Utah | $214 |
| Vermont | $177 |
| Virginia | $225 |
| Washington | $187 |
| Washington D.C. | $402 |
| West Virginia | $183 |
| Wisconsin | $155 |
| Wyoming | $139 |
State | Average Monthly Quote |
|---|---|
| California | $282 |
Compare Audi A4 Car Insurance Quotes
Check quotes from 120+ top insurance companies
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
How to ensure you have enough coverage on your Audi A4
You have a lot to consider when getting car insurance, including your coverage needs, state requirements, how much it would cost to repair or replace your car if you were in an accident or the car were otherwise damaged, and more.
These factors can all affect the level of coverage you choose. As you begin your search, here are some of the most common coverages for you to consider.
Liability coverage
State regulations on minimum coverage vary, but every U.S. state except New Hampshire requires drivers to have liability insurance. Liability coverage includes bodily injury, which pays for the other driver’s medical expenses if you’re at fault, and property damage liability, which covers the other driver’s car or other property you damage in an accident.
Collision coverage
Collision insurance pays to repair your car’s damage if you’re in an accident with another vehicle or hit a stationary object, such as a tree or fence, no matter who’s at fault.
Comprehensive coverage
Comprehensive insurance pays to repair damages to your car caused by weather (such as hail, wind, or water), theft, vandalism, and fire, as well as other non-collision incidents.
Uninsured motorist coverage
Uninsured motorist coverage can help pay for your medical bills and car repairs if a driver without sufficient insurance hits you or you’re involved in a hit-and-run accident.
Roadside assistance coverage
Roadside assistance coverage can provide compensation if you need to pay for things like a flat-tire repair or a tow to a repair shop.
Audi A4 car insurance FAQs
If you want to buy an Audi A4 and are curious about car insurance, here are the answers to some of the most common questions you might have.
USAA has the cheapest insurance for an Audi A4, but you must be a military member or an eligible family member of one to qualify for coverage. Otherwise, you could find cheap insurance with GEICO.
The average cost for Audi A4 car insurance is $119 per month for liability-only coverage and $223 per month for full coverage, according to Insurify data.
But the cost to insure an Audi A4 depends on various factors, including your age, gender, and driving record, as well as any bundling discounts you might be eligible for, the deductible you choose, your ZIP code, accident risk, and more.
The Audi A4 costs slightly more than the national average to insure.
Audi, as a make, ranks below average in the J.D. Power 2025 U.S. Vehicle Dependability Study.[4] But the Audi A4 received an above-average reliability score of 78 out of 100 from Consumer Reports.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- CarFigures. "Audi A4/S4 US Sales Figures."
- Edmunds. "Compare Cars Side-by-Side."
- Edmunds. "https://www.edmunds.com/audi/a4/2024/."
- J.D. Power. "Vehicle Dependability Still Suffering Due to Pandemic Aftershocks, J.D. Power Finds."
)
Miranda Marquit Insurance Writer
Miranda Marquit, MBA, is a freelance financial writer covering various markets and topics since 2006. She has contributed to numerous media outlets, including Forbes, TIME, The Hill, NPR, HuffPost, Yahoo! Money, and more. Her work has been syndicated by MSN Money, Marketwatch, Credit.com, and other publications. She has written about insurance topics for Clearsurance, HealthCare.com, and various other websites. She is also an avid podcaster and co-hosts the Money Talks News podcast. Miranda has a Master’s Degree in Journalism from Syracuse University. Connect with her on LinkedIn.
Miranda has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in