How much is car insurance for an Audi A4?

Audi A4 Summary

Have you been searching for car insurance quotes for the Audi A4 but are overwhelmed by all the information to sift through? We understand. This guide will help you understand how much car insurance for an Audi A4 is. We’ll also help you get the right Audi A4 insurance for your needs.

The Audi A4 is rated one of the top luxury cars on the road; however, with the joy of owning an Audi A4 also comes the responsibility to maintain it and keep it safe.

Before you can drive your new car out of the showroom you will need to show proof of car insurance. It’s important to understand the cost of car insurance before shopping for a vehicle. So, how much is car insurance for an Audi A4? Begin by comparing rates with our free quote tool above today.

Car Insurance Rates for Audi A4

When purchasing your new vehicle, you may be asking: How much does it cost to insure an Audi A4? The Audi A4 is an affordable luxury car. Compared to other vehicles of the same class, the Audi A4 is on the lower price end.

Whether you need minimum liability or comprehensive, it’s best to shop around. Knowing the three most recommended auto liability car insurance companies can help you narrow down your search. What you need to do as a first step, especially with a luxury car like the Audi A4, is to make sure you have full coverage.

Most often insurance policies read like a foreign language, to make things a little easier, below are a few things you should consider before choosing a final car insurance company.

The first area of investigation should be your own state laws as they vary per state. Most states have state minimum car insurance requirements; however, these minimums are far below what any driver should really have.

When looking for coverage options, it’s best to get to know what these options will give you in terms of protection. A few options are liability, collision, and comprehensive.

Liability insurance coverage protects you from claims resulting from injuries and damage to people or property. Finding cheap liability car insurance can save you money in the long run. How does collision car insurance work? This coverage protects you from accidents involving other vehicles, deer, or random objects like fences. Comprehensive insurance coverage protects you from fire, floods, theft, and vandalism.

Asking yourself, should I purchase comprehensive car insurance coverage? In short, yes. Liability coverage is the bare minimum of coverage. It also offers the bare minimum level of protection. Check out the video below.

Most Americans have lots of questions like, do I need insurance before I buy a car, or what level of insurance do experts recommend? Liability is the cheapest part of your policy, but skimping on this can get you into trouble later.

If you’re financing a car, your lender will usually ask you to add comprehensive and collision coverage. Yes, they want their back to be covered. Force-placed insurance is often set in place by the lender, often when the driver cannot obtain insurance on their own. The table below shows the ranges for Audi A4 rates from 2017-2020.

Average Audi A4 Car Insurance Rates

From 2017 to 2020, rates for liability coverages dropped from $416-$372. The rates for collision coverage jumped from $640 to $688.

Certain facts hold true across the board like teenagers have higher car insurance rates. Driving record, credit history can also change your rates, increasing or decreasing by your perceived risk to an insurer.

What are the liability car insurance rates for the Audi A4?

So, how much does insurance cost for an Audi? Liability car insurance could look like bodily injury liability and property damage liability, which are required as part of state minimum liability coverage.

Bodily injury liability protects you from having to compensate third parties who suffered a bodily injury after a car accident. After the limits of the liability car insurance policy are exhausted, you are left to cover your own damages out of your pocket. The law requires drivers to maintain some kind of minimum liability coverage to drive on the road.

Another important aspect of liability car insurance is property damage liability. Part of liability coverage, property damage liability will help cover damages to a third party’s property or vehicle. You will have to fix your own car out of pocket, though.

Limits are an essential part of minimum liability coverage. You can increase your coverage by opting for high, low, or medium bodily injury limits – as displayed in the table below.

Average Audi A4 Bodily Injury Car Insurance Rates

Higher limits (ones that will cover you for more monetary damages) also bring higher rates. No surprise there.

What are the comprehensive and collision car insurance rates for Audi A4?

Comprehensive and collision are upgrades to minimum liability coverage. For those looking for additional insurance that will protect from fire, floods, deer, and theft, keep reading. The video below helps explain what comprehensive coverage is, and how you might use it with your Audi A4.

Collision and comprehensive coverage are similar because they both protect you from extraneous events.

Comprehensive coverage will protect you from fire, floods, theft, and vandalism. This is different from collision insurance coverage, which only protects you from accidents with other vehicles, deer, and objects (like fences or guardrails).

How the Value of the Audi A4 Affects Car Insurance Rates

In 2019, Audi sold 26,435 models of the A4. This is down from 34,311 in 2018, indicating that the car is slightly waning in popularity. So how does the price of Audi A4 models impact car insurance?

The table below shows the average Manufacturer’s Suggested Retail Price (MSRP) and the Fair Market Value of the Audi A4. Two models, the 40 Premium and Prestige models of the vehicle, from 2017-2020.

Audi A4 MSRP and Fair Market Range (FMR) by Model Year

As you may notice from the table, MSRPs are much higher for newer, more upgraded vehicles. This is because more features on your vehicle equal more expensive parts and repairs – this will be reflected in higher insurance rates. According to Kelley Blue Book, the 2014 Audi A4 insurance costs $13,130. The average cost of a used Audi A4 is about $15,434.

Wondering if you’ll need force-placed insurance? Well, getting into an accident while leasing your car is a sure-fire way to bring this about. Your lender will ask you to purchase force-placed to protect themselves. It’s always best to purchase more insurance coverage rather than less, especially if you don’t own your Audi A4 outright.

According to our research, the total average Audi A4 maintenance cost is $739/year. This is considered normal for a luxury vehicle.

Unfortunately, the breakdown value of the A4 is a 3.5 out of 5 stars. Common issues include oil leaks from the valve cover gasket, rainwater accumulating in the plenum tray, and ignition coil/spark plug failure.

Car Insurance Claims and Losses on Audi A4

Wondering who has the cheapest auto insurance? First, you must understand losses. Losses are impacted by the number of claims made on a certain type of vehicle. In this section, we will discuss how these statistics raise insurance rates for your Audi A4.

What are the loss statistics for bodily injury and property damage liability car insurance claims for the Audi A4?

Bodily injury liability covers the other person’s injuries if you are found at fault in a car accident. This is the type of liability that keeps you from having to pay for the other party’s medical bills out-of-pocket.

Medical losses are often incurred if you get into an accident. To see how the Audi A4’s bodily injury losses look compared to other vehicles of the same class, check out the relevant data below. Use our “search” feature to view different makes and models.

Bodily Injury Losses for Luxury Midsize Vehicles

From our table, you can see Audi has a range of -41 to 14%, and the A4 series was -24%. To give you an idea of ranges, a loss percentage from -20 to 20 represents the average range, while anything above 25% is considered poor.

What are the loss statistics for comprehensive and collision car insurance claims for Audi A4?

Property damage liability is a term that refers to one’s coverage and how much it will pay out for someone else’s car or property. Don’t forget it covers other oddities, like trees, lamp posts, or other objects that your vehicle crashed into.

Here’s how the A4 and other midsize luxury vehicles stack up. The lower the negative number, the better a vehicle is doing.

Property Damages Losses for Luxury Midsize Vehicles

Luxury models tend to do better than standard brands. The Audi models range from an excellent -43% to -2%. The A4 four-door model has a loss percentage of –29% for property damage liability, which is better-than-average.

Of all midsize luxury vehicles, the Tesla Model 3 electric four-door 4WD has the best loss percentage, as -67% is in the excellent range.

Insurance losses are a key indicator of what your own losses may look like. To protect yourself in an accident, it’s important to have an idea of claims for damages.

Read more:

• Guide to Alfa Romeo Car Insurance
• Guide to Jaguar Car Insurance
• Guide to Volvo Car Insurance

What are the loss statistics for PIP and MedPay for Audi A4?

Loss statistics also apply to PIP (Personal Injury Protection) and MedPay. You may be wondering: Do I need PIP? The results shown below injury (PIP and MedPay) coverages represent claim frequency only.

MedPay and PIP Losses for Luxury Midsize Vehicles

As you can see from the table above, the loss statistics are only available for the Audi A4 4WD model. The excellent loss percentages of -40 and -42% reflect the safety of the vehicle.

Safety Ratings of the Audi A4

We know that safety is king when purchasing a brand new vehicle. What better way to make your decision than learn about crash ratings and safety statistics? Check out the video below to see an Audi A4 crash test from IIHS.

Crash statistics are determined by a vehicle’s performance in crash tests. A vehicle is launched towards a stationary object, and then the crash dummy ratings are assessed and recorded. What exactly do these ratings mean? Ratings are categorized into four groups, good, acceptable, marginal, and poor. The table below shows crash test ratings for the Audi A4.

Audi A4 Crash Protection Rating

Read more: Can my car insurance overlap?

Both the Audi A4 four-door sedan and the Allroad four-door wagon received all “good” safety ratings. The A4 is a luxury, midsize vehicle, which we will go in-depth about in the next section.

What is the size and class of the Audi A4?

The Audi A4 can be classified as a luxury midsize car. In this class, vehicles are slightly larger than vehicles classified as “small” cars.

Driver Death Rates

The table below shows the driver death rates for all vehicles classified as midsize luxury cars. Driver death rates have significantly declined over the years. Thanks to new technology and lighter frames, vehicles are less deadly to drive. The table below shows the fatality rate for midsize vehicles.

U.S. Midsize Car Crash Fatality Rate

According to III, the fatality rate was 41 per one million people, making midsize the second-deadliest vehicle class for driver death rates. The greatest number of driver deaths per one million people occurred for small vehicles, with a rate of 54. Surprisingly, the average for all passenger vehicles was just 36 per million, which includes SUVs and pickups.

Crash Type

You may be aware of the terms head-on crash, t-bone, or even rear-ended. The truth is the front, sides and back end of a vehicle respond differently when withstanding different crashes.

Fatality rates are different based on where the initial impact occurred in the crash. Take a look below for an in-depth view of these rates.

U.S. Car Crash Fatalities by Impact Point

Frontal impacts accounted for 56% of passenger vehicle occupant deaths in 2018. Side impacts accounted for another 23% of passenger vehicle occupant deaths.

Occupant Deaths Per Million Registered Passenger Vehicles One to Three Years Old

Considering how far we’ve come with vehicle safety, it’s no surprise the fatalities have decreased dramatically in the last few years. The table below shows this trend in numbers.
10-Year Trend in U.S. Car Crash Fatalities

Between 2008 and 2018, fatalities dropped by a quarter, or 25 percent. Now that we’ve covered fatality statistics for the A4, let’s touch upon its safety features.

How does the safety of the Audi A4 compare to other vehicles?

Driver death rates have declined significantly over the years. Since 1978, the death rates for each vehicle type have been recorded and used to improve vehicle designs. The A4 is considered a midsize vehicle.

The Audi A4 offers many safety features and car insurance companies recognize these features by discounting the rates. Safety features of the A4 include:

• Four-wheel Anti Lock Brakes
• Airbags
• Daytime running lights
• Adjustable seat belts
• Electronic stability control
• Traction control
• Child seat lowering anchors
• And more

Through stringent testing, the Audi A4 has proven to be one of the safest vehicles on the road. In government crash tests the Audi A-4 car scored a top 5 stars for frontal impact and for side collisions. These impressive results have aided significant discounts for A4 car insurance rates.

To give you a better idea of this class, we have included a video that shows some major features of the 2020 Audi A4.

Other vehicles in this class include the BMW M3, Lexus ES, Lincoln MKZ, and Volvo S90. Audi has always been a mainstay in this market, and the company continues to improve its designs to level up to the best brands.

The size and class of the Audi A4 is “luxury midsize vehicle.” Midsize luxury cars have a shadow (length x width) of 91-100 square feet, and generally, weigh in at around 2,501-3,000 lbs. In this section, we will analyze the passenger fatalities for vehicles of this class.

All in all, the Audi A4 is a great option for buyers looking for a safe vehicle. We hope that you’ve enjoyed this guide, in which we’ve covered car insurance rates and all you need to know before buying your new vehicle. Did we miss anything?

Ready to start? Now that you know how expensive car insurance is for an Audi A4, find car insurance companies nationwide and get free car insurance quotes.

Frequently Asked Questions: How much is car insurance for an Audi A4?

For insurance quotes, our online resources are more than adequate. However, you may still have a few questions, such as:

• How much is Audi A4 insurance for a 16-year-old?
• How much does 2010 Audi A4 insurance cost?

It’s best to reach out to your agent about specifics such as adding your teenager to your policy,

#1 – What kind of gas mileage do Audi A4’s get?

The Audi A4 has gas mileage of 27 MPG city and 35 MPG on the highway.

#2 – Is the Audi A4 front or rear-wheel-drive?

The 2020 Audi A4 comes with all-wheel drive and front-wheel drive.

#3 – Is the Audi A4 considered a high-risk car?

According to Safercar.gov, luxury performance cars are often the target of vehicle thieves, thereby increasing the probability that the insurance company will be required to pay out a claim.

#4 – Are Audi A4s fast cars?

Is an Audi A4 considered a sports car? Below are the engine details for the Audi A4:

• Engine – 3.0 V-6 TDI
• Torque – 516.3 LB-FT @ 2,500 RPM
• Hybrid System – 48-Volt Electrical Boost
• 0 to 60 mph – 4.9 seconds
• Top Speed – 155 mph

155 mph is a high top-speed for a vehicle and definitely considered a sports sedan. We always encourage drivers to buckle up and obey speed limits in their area.

#5 – Does the A4 have an off-road version?

Yes. Audi offers a more rugged option, the “all-road” wagon. The larger wagon can be compared to Volvo’s V60 Cross Country.

Before making any final decisions on your insurance company, it is important to learn as much as you can about your local insurance providers, and the coverages they offer. Call your local insurance agent to clear up any questions that you might have. Questions to consider asking include, “What is the best coverage plan for me/my family/my situation?” “What are the minimum coverage requirements in my state and what form of coverage do you recommend?” “Do you guys offer any bundle discounts if I take out both my auto insurance and home insurance with you?” and “What is the average rate of insurance quotes you guys offer?”

Before making any big insurance decisions, use our free tool to compare insurance quotes near you. It’s simple, just plug in your zip code and we’ll do the rest!