+120 more*These quotes are from Compare.com users within the last 10 days. Updated on October 28, 2026
*These quotes are from Compare.com users within the last 10 days. Updated on October 28, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Updated
Audi A4 rates average $183 per month, about 12% more than the national average of $163 per month.
USAA is the cheapest A4 insurer, with an average monthly premium of $103.
Higher repair costs make the luxury Audi A4 expensive to insure. But you can save on your premium by choosing an older model.
The type of car insurance you choose affects how much you pay for Audi A4 coverage. Liability-only policies are relatively cheap but cover only damages you cause to others, not you or your Audi.
Full-coverage policies include liability coverage, plus comprehensive and collision coverage. Comprehensive insurance covers non-collision events, like animal or weather damage, theft, and vandalism. Collision insurance covers damage to your A4 after an accident or single-vehicle crash.
The table below shows average monthly premiums for the Audi A4 compared to all vehicles, according to our data.
Vehicle | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Audi A4 | $115 | $250 | $183 |
| All vehicles | $113 | $212 | $163 |
Audi A4 drivers pay about the same amount for liability coverage as the average driver. But full coverage costs almost 18% more for the A4 because of its higher repair costs.
Next, let’s look at how Audi A4 insurance rates vary by your age, location, and other key factors.
Compare rates for your Audi starting at $103 per month.
Insurance rates for the Audi A4 can vary significantly by company, even for similar drivers. Each insurer uses its own formula to weigh factors like your driving record, credit history, and location.
Check out the table below for the cheapest car insurance companies for the Audi A4, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $114 |
| Allstate | $146 |
| American Family | $155 |
| GEICO | $159 |
| AAA | $174 |
| Nationwide | $188 |
| Progressive | $192 |
| Travelers | $196 |
| Farmers | $222 |
| Liberty Mutual | $265 |
| Amica | $500 |
USAA’s rates are the cheapest for the A4, at $103 per month, about 44% cheaper than the overall average of $183 per month.
Here are more details about the three cheapest insurers for the Audi A4.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.7 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
If you’re looking for affordable, no-frills coverage, USAA ranks as the cheapest company for Audi A4 insurance. It offers competitive rates, excellent customer and claims service, and comprehensive digital tools. Eligible active-duty military, veterans, and their immediate families also have access to shopping and travel discounts with USAA Perks.
Low rates for the A4
Excellent digital service experience rating[1]
Offers vehicle maintenance and rental discounts
Eligibility limited to military members and their families
Telematics program availability varies
Few physical branch locations
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $102/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm’s large agent network and competitive pricing make it a strong choice for Audi A4 drivers looking for personalized service and affordable coverage. It offers discounts for things like qualifying as a safe driver, taking a defensive driving course, and enrolling in its Drive Safe & Save program. Young drivers can also save with discounts for good grades and completing approved driver training.
| User Reviews | 3.8 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $93/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $154/mo |
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Audi A4 drivers who want customizable policies should consider Allstate. It offers various coverage options, including rideshare insurance, accident forgiveness, and gap insurance. Safe drivers can save even more with Allstate’s Drivewise telematics program. Plus, low-mileage drivers may get a better deal with Milewise pay-per-mile insurance.
Available in all 50 states
Customizable full-coverage policies
Highly rated mobile app
Poor Trustpilot rating[4]
Below-average customer satisfaction ratings in most regions
Complicated policy management
Your A4’s age directly influences what you pay each month for car insurance. Newer vehicles are worth more and have higher repair and replacement costs. That’s why a brand-new A4 typically costs more to insure than one from a few years back.
Premiums decline as your Audi ages, dropping from $221 monthly for 2025 models to $135 for 2000 models. The table below shows average monthly premiums for different A4 model years, according to Compare.com data.
A4 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $221 |
| 2024 | $221 |
| 2023 | $220 |
| 2022 | $220 |
| 2021 | $213 |
| 2020 | $203 |
| 2019 | $199 |
| 2018 | $192 |
| 2017 | $188 |
| 2016 | $183 |
| 2015 | $179 |
| 2014 | $176 |
| 2013 | $167 |
| 2012 | $162 |
| 2011 | $158 |
| 2010 | $156 |
| 2009 | $150 |
| 2008 | $148 |
| 2007 | $146 |
| 2006 | $144 |
| 2005 | $140 |
| 2004 | $137 |
| 2003 | $135 |
| 2002 | $136 |
| 2001 | $136 |
| 2000 | $135 |
Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| State Farm | $138 |
| Allstate | $176 |
| American Family | $187 |
| GEICO | $192 |
| AAA | $210 |
| Nationwide | $227 |
| Progressive | $232 |
| Travelers | $237 |
| Farmers | $268 |
| Liberty Mutual | $320 |
| Amica | $604 |
Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| State Farm | $138 |
| Allstate | $176 |
| American Family | $187 |
| GEICO | $192 |
| AAA | $210 |
| Nationwide | $227 |
| Progressive | $232 |
| Travelers | $237 |
| Farmers | $268 |
| Liberty Mutual | $320 |
| Amica | $604 |
Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| State Farm | $137 |
| Allstate | $176 |
| American Family | $187 |
| GEICO | $191 |
| AAA | $209 |
| Nationwide | $226 |
| Progressive | $231 |
| Travelers | $236 |
| Farmers | $267 |
| Liberty Mutual | $319 |
| Amica | $602 |
Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| State Farm | $137 |
| Allstate | $176 |
| American Family | $187 |
| GEICO | $191 |
| AAA | $209 |
| Nationwide | $226 |
| Progressive | $231 |
| Travelers | $236 |
| Farmers | $267 |
| Liberty Mutual | $319 |
| Amica | $602 |
Company | Average Monthly Premium |
|---|---|
| USAA | $120 |
| State Farm | $133 |
| Allstate | $170 |
| GEICO | $185 |
| American Family | $180 |
| AAA | $202 |
| Nationwide | $219 |
| Progressive | $223 |
| Travelers | $228 |
| Farmers | $258 |
| Liberty Mutual | $308 |
| Amica | $582 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $127 |
| Allstate | $162 |
| American Family | $172 |
| GEICO | $177 |
| AAA | $193 |
| Nationwide | $209 |
| Progressive | $213 |
| Travelers | $218 |
| Farmers | $246 |
| Liberty Mutual | $294 |
| Amica | $555 |
Company | Average Monthly Premium |
|---|---|
| USAA | $112 |
| State Farm | $124 |
| Allstate | $159 |
| American Family | $169 |
| GEICO | $173 |
| AAA | $189 |
| Nationwide | $205 |
| Progressive | $209 |
| Travelers | $213 |
| Farmers | $241 |
| Liberty Mutual | $288 |
| Amica | $544 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $119 |
| Allstate | $153 |
| American Family | $162 |
| GEICO | $167 |
| AAA | $182 |
| Nationwide | $197 |
| Progressive | $201 |
| Travelers | $205 |
| Farmers | $233 |
| Liberty Mutual | $278 |
| Amica | $524 |
Company | Average Monthly Premium |
|---|---|
| USAA | $106 |
| State Farm | $117 |
| Allstate | $150 |
| American Family | $160 |
| GEICO | $164 |
| AAA | $179 |
| Nationwide | $194 |
| Progressive | $198 |
| Travelers | $202 |
| Farmers | $229 |
| Liberty Mutual | $273 |
| Amica | $515 |
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $114 |
| Allstate | $146 |
| American Family | $155 |
| GEICO | $159 |
| AAA | $174 |
| Nationwide | $188 |
| Progressive | $192 |
| Travelers | $196 |
| Farmers | $222 |
| Liberty Mutual | $265 |
| Amica | $499 |
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $111 |
| Allstate | $143 |
| American Family | $151 |
| GEICO | $155 |
| AAA | $170 |
| Nationwide | $184 |
| Progressive | $187 |
| Travelers | $191 |
| Farmers | $217 |
| Liberty Mutual | $259 |
| Amica | $488 |
Where you live makes a real difference in what you pay for your A4’s insurance. Your state sets its own minimum coverage requirements, which directly affects your costs. Insurers also look at local factors, like weather patterns, repair costs, and crime rates.
Here’s how average rates for the A4 vary by state, according to our data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $151 |
| Arizona | $174 |
| Arkansas | $161 |
| California | $197 |
| Colorado | $197 |
| Connecticut | $272 |
| Delaware | $228 |
| Florida | $213 |
| Georgia | $244 |
| Hawaii | $121 |
| Idaho | $100 |
| Illinois | $152 |
| Indiana | $125 |
| Iowa | $103 |
| Kansas | $142 |
| Kentucky | $189 |
| Louisiana | $205 |
| Maine | $134 |
| Maryland | $290 |
| Massachusetts | $144 |
| Michigan | $220 |
| Minnesota | $166 |
| Mississippi | $144 |
| Missouri | $174 |
| Montana | $143 |
| Nebraska | $138 |
| Nevada | $242 |
| New Hampshire | $84 |
| New Jersey | $258 |
| New Mexico | $139 |
| New York | $210 |
| North Carolina | $85 |
| North Dakota | $112 |
| Ohio | $118 |
| Oklahoma | $164 |
| Oregon | $146 |
| Pennsylvania | $154 |
| Rhode Island | $210 |
| South Carolina | $234 |
| South Dakota | $132 |
| Tennessee | $136 |
| Texas | $210 |
| Utah | $144 |
| Vermont | $137 |
| Virginia | $171 |
| Washington | $162 |
| District of Columbia | $301 |
| West Virginia | $141 |
| Wisconsin | $116 |
| Wyoming | $108 |
Experience pays off when it comes to car insurance. Teen drivers are much more likely to get into accidents and engage in risky driving behaviors like speeding or distracted driving.[5] That’s why they have the highest car insurance costs of any age group.
Crash rates decline as drivers grow older and gain experience. That’s why seniors typically pay some of the cheapest car insurance rates.
The table below shows average A4 premiums for different age groups, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $351 |
| Adults | $183 |
| Seniors | $183 |
The A4’s status as an entry-level luxury sedan and its high sticker price mean it costs more than average to insure. Put a young driver behind the wheel of your A4, and you’ll pay significantly higher premiums.
That’s because drivers younger than 20 have the highest accident risks of any age group — nearly three times the risk of drivers 20 and older.[6] You can see the effects of age on Audi A4 insurance costs in the table below, which shows average rates by insurer for drivers younger than 25, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $165 |
| State Farm | $182 |
| Allstate | $234 |
| American Family | $248 |
| GEICO | $254 |
On the other end of the spectrum, senior Audi A4 drivers pay much lower car insurance rates. That’s because people older than 55 are more likely to obey speed limits, follow traffic rules, and avoid risky driving times.[7]
The table below lists average rates for senior A4 drivers by company, according to our data.
Category | Price |
|---|---|
| USAA | $88 |
| State Farm | $97 |
| Allstate | $124 |
| American Family | $132 |
| GEICO | $135 |
Insurance companies base their prices on how risky they think you are behind the wheel. Accidents, speeding tickets, and driving under the influence (DUI) convictions all signal to insurers that you take risks when driving and may be more likely to file a claim. That means they’ll charge you more to balance that risk.
Too many incidents on your driving record may make it difficult to find affordable insurance for your A4. But some companies specialize in covering high-risk drivers.
Here’s a look at how certain driving violations can affect your Audi A4 insurance costs, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $183 |
| Speeding ticket | $245 |
| At-fault accident | $262 |
| DUI | $307 |
Speeding makes it harder to control your vehicle and increases the chances you’ll get into an accident.[8] A speeding ticket signals to insurers that you’re more likely to file a claim for something like a speed-related crash. So they charge higher rates to cover that extra risk.
Here’s a look at what top insurers charge, on average, for A4 drivers with speeding tickets, based on our data.
Category | Price |
|---|---|
| USAA | $133 |
| State Farm | $142 |
| Allstate | $189 |
| American Family | $202 |
| AAA | $212 |
After you cause an accident and file a claim, your insurance company will likely increase your premium when your policy renews. Anytime you file a claim above a certain amount, your insurer will increase your premium. How much it increases and for how long depends on your insurance company.[9]
Our data shows that an accident can increase your rates by 33%, on average. Here’s a look at how a history of accidents affects A4 rates from top insurance companies, according to Compare.com data.
Category | Price |
|---|---|
| USAA | $135 |
| State Farm | $145 |
| Allstate | $190 |
| GEICO | $192 |
| American Family | $203 |
A DUI can send your premiums soaring. And if you cause an accident due to drunk driving, your insurance company may drop you altogether. That’s because you’re more likely to cause an accident, or even a fatality, if you drive drunk.
Our data shows that a DUI can push your rate up by 61%. Here are some top insurers’ average rates for A4 drivers with DUIs, based on Compare.com data.
Category | Price |
|---|---|
| USAA | $131 |
| State Farm | $167 |
| Allstate | $214 |
| GEICO | $217 |
| American Family | $227 |
Multiple factors play a role in how much you'll pay to insure your A4, including:
Vehicle value: The 2025 Audi A4 has an MSRP of $43,295–$52,595, making it more expensive to insure than cheaper makes and models.[10]
Repair costs: As a luxury and premium car brand, Audi replacement parts and labor are typically more expensive, which raises insurance rates.
Safety ratings: The A4 has a 5-star overall rating from the National Highway Traffic Safety Administration (NHTSA) and is a Top Safety Pick+ with the Insurance Institute for Highway Safety (IIHS). Advanced safety features reduce crash and injury risk, lower premiums, and usually qualify you for a safety features discount.
Even driving a luxury vehicle like an A4, you can still take steps to hold down car insurance costs, including:
Increase your deductibles. Luxury models like the A4 usually cost more to insure, but you can offset those higher rates by raising your comprehensive and collision deductibles. But make sure you can afford the extra cost if you file a claim, because you’ll pay more out of pocket.
Choose a lower trim level. You can save money on car insurance by going with the lower-level Premium model rather than the more expensive and faster Prestige or S Line.
Ask about discounts. Insurers typically offer various discounts you can stack together to maximize savings, including bundling, multi-car, and anti-theft device discounts.
Shop around. Compare coverages, discounts, premiums, and customer service from at least three different companies to find the right coverage and price for your A4.
Get quotes from 100+ top insurers and save money in seconds.
You may think you know everything about your Audi A4 insurance costs. But new questions always come up. Let’s walk through some of the most common concerns A4 owners have about their coverage.
Yes. The Audi A4 has higher-than-average insurance costs. Coverage for the A4 costs an average of $183 per month, according to Compare.com data. The overall average for all vehicles is $163 per month.
USAA is the cheapest insurance company for the Audi A4, with an average rate of $103 per month, according to Compare.com data. But you can buy a USAA policy only if you’re a member of the military community. State Farm and Allstate are reasonably priced alternatives, at $114 and $146 per month, respectively.
Coverage for a 2025 A4 averages $221 per month, according to Compare.com data. But how much you pay for car insurance depends on several factors, like your age, location, and driving record.
The Audi A3 is the cheapest Audi model to insure, with an average rate of $211 per month for the 2025 model, according to Compare.com data.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.