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.
In This Article...
Is an Audi A4 expensive to insure?
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.
Is buying an Audi worthwhile?
The luxury and sophistication associated with the Audi name are typically very expensive. Although purchasing a new Audi may be a wise investment, not everyone wants to pay new-Audi costs. However, you don’t have to buy a new Audi to receive a decent Audi because it is one of the top luxury manufacturers available.
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.
Which is less expensive to insure, Audi or BMW?
Chart Information: For the 2022 model year, all Audi, Acura, BMW, Infiniti, Lexus, Mercedes-Benz, and Volvo vehicles are included in the average car insurance premiums. A 40-year-old married man with good driving record and claim-free discounts is the rated driver. Rates are averaged across all states in the US, and physical damage deductibles are set at $500. On June 24, 2022, data was last updated.
Along with BMW and Mercedes, Audi is one of the more expensive luxury car brands to insure, as illustrated in the figure above. When comparing cost differences in percentage terms, Audi insurance costs on average 1.2 percent less annually than BMW, 1.8 percent less annually than Mercedes-Benz, and 14.4 percent more annually than the Lexus average premium.
The next table lists a number of more luxury brands, including Land Rover and Jaguar, as well as a large number of more widely recognized names, like Chevrolet, Ford, Toyota, and Honda.
The comparison between each brand and the typical Audi insurance rate displayed in the first table row is shown in the difference column. While red denotes a more expensive average rate than Audi, green denotes a lower average rate than Audi.
How much does an 18-year-Audi old’s A4 insurance cost?
Due to their inexperience, younger drivers pay higher insurance premiums for the Audi A4 and comparable car models. The average annual cost of auto insurance for an 18-year-old driver of an Audi A4 is $4,988, which is nearly $3,460 more than the cost for a driver who is 40 years old.
By incorporating teen drivers in their policy, parents can save money. If teenagers buy their own auto insurance plans, they frequently have to pay higher prices.
Is a 2014 Audi A4 a sporty car?
Based on dependability and good safety ratings that make car insurance more cheap for sports- or luxury-car aficionados, the Audi A4 is a fantastic entry-level luxury sports sedan. Features like the following could potentially keep the cost of coverage low:
- Standard daytime running lights: These increase the visibility of an A4 to other motorists.
- Airbags in the side seats: This lessens the risk of suffering major injuries in a side crash.
- These optional safety features notify you if you start to stray from your lane due to fatigue or other distractions so you can correct it before hitting another car or object. It goes one step further with lane departure prevention, which stops your A4 from drifting out of its lane or changing lanes.
- Adaptive cruise control: This security function keeps the Audi A4 at a predetermined distance from the car in front of it. This function may help drivers who commute through jammed traffic avoid an accident during rush hour.
- Top view camera system: The Audi A4’s cameras all work together to provide a view of the vehicle in relation to its surroundings. With the help of this function, drivers might be more conscious of the surroundings, particularly in blind spots and other challenging-to-see regions.
- Park assist: The park assist feature may be helpful for drivers navigating confined parking spaces. Despite the fact that the driver will still be in charge of the Audi’s braking and throttle, this technology aids in steering the vehicle when parking into a perpendicular or parallel slot.
How much does an Audi maintenance cost?
For minor maintenance procedures like oil, filters, and inspections, the typical Audi maintenance cost is $200 to $300 per 10,000 miles. Larger mileage intervals may call for more extensive maintenance, such transmission services, which can cost anywhere from $700 to $875.
An Audi’s life can be extended with the right routine maintenance. The suggested mileage for particular services, like having a timing belt replaced, is specified in your owner’s handbook. Audi advises having your car serviced once a year or every 10,000 miles for general vehicle maintenance.
Some services could require more frequent completion. Five frequent routine maintenance requirements for your Audi are listed below, with an example maintenance cost for an Audi A4 provided courtesy of RepairPal.
Brakes
If you drive in cities or notice your brakes take longer to stop, you should inspect your brakes for wear at least twice a year. Typically, brake pads need to be changed every 35,000 to 60,000 miles.
Oil Change
With synthetic oil, the majority of contemporary Audi vehicles can run up to 10,000 miles between oil changes. However, if you drive frequently through cities, stopping and starting at stop signs, traffic lights, and in heavy traffic, you might need to replace your oil every 5,000 miles.
Tires
With worn-out tires, your car will not only function less effectively, but it will also be risky. Low air pressure or worn tires with little to no tread could be dangerous, particularly on wet pavement.
Cost: You should budget between $180 and $330 per tire to replace all four with factory tires at an Audi dealership. New factory tires range in price from $775 to $1,450 when installation fees are taken into account.
Battery
Every three months or every 3,000 miles, test the battery in your Audi. Your car’s interior lighting will begin to fade around every three years when batteries begin to run out. If the lights flare when you crank your engine, it might be time for a new battery.
Do expensive automobiles cost extra to insure?
A luxury car is one that offers more features, comfort, quality, or performance than a standard car. Exotic cars are a subcategory of premium vehicles that prioritize performance and speed. A Jaguar F-Type, which has a base price of $61,600, is an example of a luxury vehicle. In contrast, the Ferrari 812-Superfast has a manufacturer-suggested retail price of $335,000.
Expect to spend more for insurance if you are covering a luxury vehicle than you would for a regular vehicle. Luxury cars typically cost more than other cars, thus insurance premiums are likewise higher. The price of replacement components, maintenance, and labor for your luxury car may be much more expensive than it would be for a less expensive model. Depending on the sort of vehicle you own, you might need to look for coverage with a firm that specializes in insuring high-end automobiles, even though you might be able to get insurance with a conventional insurance provider.
Are luxury car insurance premiums high?
The high cost of a luxury car ultimately results in higher insurance prices because auto insurance is intended to safeguard your vehicle. The average annual insurance premium for a luxury car among the models in our survey was around 18% more than that for a sedan with a mid-range price tag.
Why you must never purchase a used Audi
Naturally, a used Audi will have more miles and signs of wear and tear than a brand-new one. This implies that it will probably require more costly repairs earlier than a new car of a different make. By selecting a Certified Pre-Owned Audi with its extended warranties, you can reduce these fees.
What Audis are best avoided?
Recently, Audi has had reliability issues, making it extremely risky to purchase one of these vehicles used.
Audi has some excellent performance vehicles to choose from among the German automakers. With the best model engineers they can find, the organization makes an effort to be at the cutting edge of technology. There are also some amazing designs to accompany that. Unfortunately, no automaker is faultless, and Audi has had its share of problems with subpar vehicles.
One terrible model year after another, for instance, is the history of the A6, and some others aren’t any better. Some were flawed right away, while others started off as promising new models before their numerous flaws became obvious. Although it’s simple to avoid vehicles from the 2000s, even some more modern Audis can have subpar dependability ratings and have frequent breakdowns. Audi’s reliability is currently evaluated as being well below the industry average. This is why it’s crucial to complete your research before buying a used Audi since the model you choose will have a significant impact on the vehicle’s reliability.
We’ve chosen 10 Audi models for this list that we don’t advise anyone to purchase used.