Overall, the Audi A4’s insurance costs are reasonable. Before making a decision, you should compare quotations from several insurance companies because prices vary from one to the other.
According to data on the price of Audi A4 insurance, the average yearly premium is $1544, with payments due every month of $129, on average. Drivers with a clean driving record can save an estimated $637 despite the cost being about $25 higher annually than certain other cars. Overall, the Audi A4’s insurance costs are reasonable. Before making a decision, you should compare quotations from several insurance companies because prices vary from one to the other.
In This Article...
How much does insurance cost for a 2010 Audi A4?
As you can see, full coverage auto insurance for a 2018 Audi A4 costs $1,544 annually whereas it costs $1,256 for a 2010 Audi A4, a difference of $288 overall.
Older models, like the 2014 Audi A4, have lower insurance rates since, in the event of a claim, they are often less expensive to repair and replace. The cost of repairing new models when they are damaged can be higher because they frequently contain more sophisticated features.
However, more recent Audi A4 models can contain security and anti-theft features that qualify you for auto insurance reductions. Ask your provider what discounts your model year qualifies for so you may benefit from the additional savings.
How Your Driver Age Impacts Your Audi A4 Car Insurance Rates
Although your age has little to do with the type of car you drive, it will nevertheless have a significant impact on the cost of your Audi A4 insurance. This is due to the fact that insurance companies link driving experience to age. Drivers with more experience are less likely to be in collisions and file insurance claims. When comparing Audi A4 insurance for 16-year-olds and 18-year-olds, even the short time span can make a difference.
Compare the average annual vehicle insurance costs for an Audi A4 by various age groups in the graph below.
Age can have a major impact on your Audi A4 insurance costs, as you can see from the data. For instance, 20-year-old drivers’ Audi A4 auto insurance costs about $1,888 more per year than that of 30-year-old drivers.
Therefore, the best vehicle insurance for seniors will be different from the best provider for a teen driver who drives an Audi A4.
Ask for good student discounts or safe driver discounts if you’re a younger Audi A4 driver. These initiatives will assist in bringing down your above-average expenses. Fortunately, your Audi A4 auto insurance costs will significantly drop once you turn 25.
How Your Driver Location Impacts Your Audi A4 Car Insurance Rates
Like age, your place of residence will have a significant impact on the cost of your Audi A4 insurance. Consider this: It matters where you leave your automobile overnight.
You are more likely to get involved in an accident or have your car stolen if you live in a densely populated city with a high rate of auto theft. Insurance companies will raise your premiums to reduce that risk.
For a comparison of typical annual vehicle insurance rates by significant American cities, see the graph below.
As you can see, drivers in Philadelphia, a little smaller metro region, pay $571 less annually for auto insurance than drivers in Los Angeles, one of the nation’s major cities.
Your prices may also change as a result of the various auto insurance laws in each state. For instance, several jurisdictions forbid insurance companies from determining your rates based on factors like your gender, credit history, and level of education.
Depending on the state, different levels of auto insurance are mandated by law. As a result, a key element affecting the price of your Audi A4 insurance is your driver’s location.
How Your Driving Record Impacts Your Audi A4 Car Insurance Rate
Your driving history will also affect how much your Audi A4 auto insurance will cost. Fortunately, you do have some influence over this.
The lowest vehicle insurance premiums are always awarded to safe drivers with spotless driving records. The highest rates are given to high-risk drivers who have a history of infractions or accidents.
You can see in the graph below how, depending on your age, various traffic infractions will effect your annual Audi A4 car insurance premiums.
With citations on their driving record, drivers in their 20s and teens experience the biggest increases in their Audi A4 auto insurance rates. Some large insurers may completely decline to insure you if you accrue too many traffic offenses.
By going for a long time without making any claims, you may be eligible for some fantastic safe driver discounts. Overall, driving safely can save lives while also saving you money.
Audi A4 Safety Ratings and the Impact on Your Car Insurance Rates
The safety ratings of an Audi A4 have an impact on your auto insurance costs if you drive one. Insurance prices are determined by your perceived degree of risk, and safer vehicles present less risk on the road.
Therefore, cheaper insurance costs will result from higher safety ratings. In the table below, you can see how the Insurance Institute for Highway Safety (IIHS) scored the 2020 Audi A4. Remember that the IIHS can only provide a “Good” grade as the highest possible score.
What is the insurance cost for a 16-year-old driving an Audi A4?
The age of the insured driver is one of the largest factors in insurance costs because experience increases with age. Above all else, having a young, inexperienced driver can significantly increase insurance costs.
Using information from multiple insurance companies, the cost of an Audi A4’s insurance for a 16-year-old young driver might reach $5744. In comparison to their female counterparts, younger male drivers are more likely to be involved in accidents and receive traffic penalties for speeding. Their beginning rate is higher as a result.
Costs level out between 30 and 60 years of age as drivers age and gain expertise. A 40-year-insurance old’s premiums for the same Audi are only $1580. Over these ages, the rates for the elderly are higher.
Is insurance more expensive for an Audi or a BMW?
Despite being comparably priced, owning a BMW 3 Series sedan actually costs more than an Audi A4 sedan by several thousand dollars. The BMW Sedan’s higher insurance costs make up for its slightly lower fuel economy and slightly higher repair expenses in terms of real cost of ownership.
An Audi A4 sedan will cost to insure for the first five years of ownership roughly $2,138 per month, or $11,464. A BMW 3 Series car will cost roughly $2,428 per month throughout that time, or an average of $12,580 over the course of five years. Remember that the rates fluctuate throughout the course of the five years, increasing somewhat yearly for both cars. The cost of maintenance and repairs is likely to rise over time, which will raise the risk of accidents as the vehicle matures and push rates up a little bit.
Each person will have a different actual insurance cost for each car. Numerous personal criteria, including as your age, marital status, employment, education, driving record, and credit score, will affect your particular rates. If you have a clean driving record, you can anticipate paying less than the comparative estimate, but if you’ve had a few fines or have a history of late payments on credit cards, your rates may go up. The automobile-specific information that determines the majority of the cost of car insurance is also based on your personal demographics, which account for a large portion of the premium expenses.
By utilizing the discounts that insurance providers provide, you can also lower the cost of premiums. Along with more than a dozen other factors, your career, how far you travel annually, and whether you keep your car in a private garage at night are all eligible for discounts. Additionally, you can enroll in a driver improvement course that is optional and get required insurance discounts for at least three years; in some areas, the discount is valid for five years.
BMW or Audi: Which is less expensive to insure?
The cost of insurance for BMWs is comparable to that of premium rivals like Mercedes and Audi. The 2 Series Gran Coupe and 2 Series Active Tourer, which have a dearth of direct competitors, are the least expensive models to insure.
Compared to its predecessor, which had an insurance group starting at 18, the modern BMW 1 Series is significantly more expensive to insure, starting at insurance group 26. This, however, is competitive with vehicles like the Mercedes A-Class and Audi A3 Sportback.
Depending on the model and engine/trim you’re comparing, the insurance premiums for BMWs and Audis are often relatively comparable, despite the fact that both automakers are fierce competitors for customers.
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Insurance Disclosure
The majority of owners of luxury sports cars are aware that high performance cars require regular maintenance and fine-tuning at a reliable repair facility. The Audi A4 is one of the most dependable sports sedans available right now thanks to distinctive characteristics that set it apart from the competition.
The cost of the Audi A4’s auto insurance is similarly influenced by these characteristics. The A4 is only little more expensive at roughly $2,000 per year than the $1,674 national average for full coverage auto insurance. Understanding what factors affect auto insurance prices and what kind of coverage you require can help you choose the best policy for your Audi A4. Having the best auto insurance for your vehicle and way of life will be made possible thanks to this.
Models used in this review include:
The Audi A4, which has several different configurations and has a basic price of $39,100 for a 2021 model, is the only subject of this review. For reference, the prices listed below represent quoted yearly rates for a 2019 Audi A4.
Is the Audi A4’s insurance pricey?
Owners of other automobile models pay slightly less for insurance than Audi A4 owners do. The typical annual insurance premium for an Audi A4 is $1528. This is more expensive than the $1,427 average for all models but less expensive than luxury vehicles like Tesla.
How much does an Audi Q4 insurance cost?
It costs a lot to insure an SUV like the Audi Q4 E-tron. Auto insurance for the Audi Q4 E-tron is anticipated to cost $213 per month or $2,556 annually. With a starting MSRP of $45,000, the price-to-cost ratio is 5.68 percent, which is higher than the 3 percent national average. Your exact cost, however, may change based on a number of variables, including your location, driving history, Q4 E-tron trim, and options.
Theft rates, vehicle performance, repair costs, and other variables that differ between makes and models are used to determine insurance premiums for the Audi Q4 E-tron. Here are some comparisons between the Q4 E-tron and other cars.
- vehicle model. An SUV like the Audi Q4 E-tron typically costs more to insure.
- Theft. This car has a low theft rate, which could result in lower insurance costs.
- Repairs. This car’s repairs are standard, which usually results in typical insurance prices.
- safety scores. This car has high safety ratings, which usually result in lower insurance costs.
- fuel class. Insurance for electric-powered vehicles is often a little more expensive than for vehicles powered by other fuels.
- Trim. In general, choosing a more expensive trim level or more feature upgrades will increase your insurance. Depending on the model year, the Premium, Premium Plus, and Prestige trim levels are popular for this vehicle.
- Coverage. Consider a policy that includes collision and comprehensive coverage in addition to the high liability limits required by your state for an SUV. Additionally, your insurance premiums will increase the more coverage you have.
- Warranty. Roadside support and a 4-year, 50,000-mile guarantee from Audi are included with new Q4 E-trons.
- manufacturer agreements For a limited time, Audi is providing discounted rates on 36-month leases. By contacting your neighborhood dealer, you can also learn about further financing options from Audi.
What discounts does the Q4 E-tron qualify for?
If your Audi Q4 E-tron has particular safety measures installed, you might be able to get a discount on your auto insurance.
- discount on anti-lock brakes
- discount for anti-theft
- Discount for passive constraint
- Discounted safety equipment
Audi Q4 E-tron safety and reliability ratings
The NHTSA does not rate the Audi Q4 E-tron, so little is known about its safety. However, the relatively low safety ratings of cars from this manufacturer tend to raise insurance costs. High safety rating vehicles are typically less expensive to insure because they are safer and easier to fix after an accident.
Bottom line
Low theft rates and average upkeep make the Audi Q4 E-tron an expensive SUV to insure. To get the best deal on the coverage you require for your Audi Q4 E-tron, compare auto insurance rates.