Audi A4 Car Insurance Quotes (2026)
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.
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Written byMiranda Marquit
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Miranda Marquit Insurance Writer
Co-hosts the Money Talks News podcast
MBA from Utah State University
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Updated
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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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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2025 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2021 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Audi A4 insurance
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 Company | Average Monthly Quote |
|---|---|
| USAA | $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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 |
| District of Columbia | $402 |
| West Virginia | $183 |
| Wisconsin | $155 |
| Wyoming | $139 |
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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.
Which company has the cheapest Audi A4 insurance?
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.
How much does it cost to insure an Audi A4?
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.
Are Audi A4s expensive to insure?
The Audi A4 costs slightly more than the national average to insure.
Is an Audi A4 a reliable car?
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.
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."
Methodology
Insurify data scientists analyzed more than 250 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.
)
Miranda Marquit Insurance Writer
Co-hosts the Money Talks News podcast
MBA from Utah State University
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in