If you’re wondering how much it will cost to insure your Audi A4 in 2025, you’re in the right place. Insurance rates for the Audi A4 vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Audi A4 is $2,946. However, this rate can vary depending on the model year. For example, a 2021 A4 might cost around $2,797 annually, while a 2018 model could be more affordable at $2,489 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Audi A4.
What is the cost to insure your Audi A4 in 2025?
The average cost to insure a Audi A4 is $249 per month, or $2,993 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Audi A4
Nationwide provides the most affordable car insurance for your Audi A4, with an average annual rate of $2,046, or $170 per month, according to CarInsurance.com’s analysis.
The table below shows which insurance companies offer the best rates for your Audi A4.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,046 | $1,023 | $170 |
| State Farm | $2,371 | $1,185 | $198 |
| Geico | $2,627 | $1,314 | $219 |
| Progressive | $3,050 | $1,525 | $254 |
| Farmers | $3,660 | $1,830 | $305 |
| Allstate | $4,238 | $2,119 | $353 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Audi A4 car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Audi A4 will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Audi A4, offering insight into how a vehicle’s age impacts its insurance rates.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $2,084 | $1,042 | $174 |
| 2015 | $2,177 | $1,088 | $181 |
| 2016 | $2,247 | $1,123 | $187 |
| 2017 | $2,296 | $1,148 | $191 |
| 2018 | $2,489 | $1,245 | $207 |
| 2019 | $2,608 | $1,304 | $217 |
| 2020 | $2,724 | $1,362 | $227 |
| 2021 | $2,797 | $1,398 | $233 |
| 2022 | $2,864 | $1,432 | $239 |
| 2023 | $2,946 | $1,473 | $245 |
Audi A4 car insurance rates for different trims
A Audi A4’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims, such as the A4 Quattro Prestige S-Line, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Audi A4.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| A4 Quattro Premium Plus S-Line | $2,908 | $1,454 | $242 |
| A4 Quattro Premium Plus | $2,915 | $1,458 | $243 |
| A4 Quattro Premium S-Line | $2,956 | $1,478 | $246 |
| A4 Quattro Premium | $2,959 | $1,480 | $247 |
| A4 Quattro Prestige | $3,116 | $1,558 | $260 |
| A4 Quattro Prestige S-Line | $3,140 | $1,570 | $262 |
Audi A4 insurance rates: State-by-state breakdown
Insurance costs for a Audi A4 vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Audi A4 in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,670 | $1,335 | $222 |
| Alabama | $2,944 | $1,472 | $245 |
| Arkansas | $3,320 | $1,660 | $277 |
| Arizona | $2,824 | $1,412 | $235 |
| California | $3,554 | $1,777 | $296 |
| Colorado | $3,741 | $1,870 | $312 |
| Connecticut | $2,980 | $1,490 | $248 |
| Washington, D.C. | $3,557 | $1,778 | $296 |
| Delaware | $2,971 | $1,486 | $248 |
| Florida | $3,197 | $1,598 | $266 |
| Georgia | $3,351 | $1,675 | $279 |
| Hawaii | $1,856 | $928 | $155 |
| Iowa | $2,519 | $1,260 | $210 |
| Idaho | $2,042 | $1,021 | $170 |
| Illinois | $2,900 | $1,450 | $242 |
| Indiana | $2,798 | $1,399 | $233 |
| Kansas | $3,065 | $1,532 | $255 |
| Kentucky | $3,692 | $1,846 | $308 |
| Louisiana | $4,724 | $2,362 | $394 |
| Massachusetts | $2,959 | $1,479 | $247 |
| Maryland | $2,737 | $1,368 | $228 |
| Maine | $2,367 | $1,183 | $197 |
| Michigan | $3,703 | $1,852 | $309 |
| Minnesota | $3,240 | $1,620 | $270 |
| Missouri | $3,410 | $1,705 | $284 |
| Mississippi | $3,445 | $1,722 | $287 |
| Montana | $3,337 | $1,669 | $278 |
| North Carolina | $2,379 | $1,190 | $198 |
| North Dakota | $2,911 | $1,455 | $243 |
| Nebraska | $3,220 | $1,610 | $268 |
| New Hampshire | $2,399 | $1,200 | $200 |
| New Jersey | $2,833 | $1,416 | $236 |
| New Mexico | $3,149 | $1,575 | $262 |
| Nevada | $2,697 | $1,348 | $225 |
| New York | $2,185 | $1,092 | $182 |
| Ohio | $2,083 | $1,041 | $174 |
| Oklahoma | $3,305 | $1,652 | $275 |
| Oregon | $2,906 | $1,453 | $242 |
| Pennsylvania | $3,085 | $1,542 | $257 |
| Rhode Island | $3,544 | $1,772 | $295 |
| South Carolina | $2,569 | $1,285 | $214 |
| South Dakota | $3,698 | $1,849 | $308 |
| Tennessee | $3,307 | $1,653 | $276 |
| Texas | $4,347 | $2,173 | $362 |
| Utah | $2,397 | $1,198 | $200 |
| Virginia | $2,282 | $1,141 | $190 |
| Vermont | $2,457 | $1,228 | $205 |
| Washington | $2,307 | $1,153 | $192 |
| Wisconsin | $2,345 | $1,173 | $195 |
| West Virginia | $2,961 | $1,480 | $247 |
| Wyoming | $3,345 | $1,673 | $279 |
How your age impacts Audi A4 insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
According to the National Highway Traffic Safety Administration (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 lost their lives in traffic accidents in 2022.
The table below outlines the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $11,520 | $5,760 | $960 |
| Adults | $2,993 | $1,497 | $249 |
The bottom line
It’s essential to know how much it will cost to insure your Audi A4 so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs