If you’re looking for insurance for your Audi A4 in 2025, you’re in the right place. Car insurance rates for the Audi A4 depend on factors like your driving record, location and car 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.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Audi A4.
What is the cost to insure your Audi A4 in 2025?
On average, insuring a Audi A4 costs $249 per month – or $2,993 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
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 offers the lowest car insurance rates for your Audi A4, with an average cost of $2,046 per year or $170 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable 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 comparison of average annual insurance costs for different model years of the Audi A4. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| 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 |
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Audi A4 car insurance rates for different trims
When it comes to insuring a Audi A4, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
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
The cost to insure a Audi A4 can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Audi A4 car insurance rates for different states in the table below.
| 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
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
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
Knowing how much it costs to insure a Audi A4 is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and 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.” August 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.
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