How Much Does Audi A4 Insurance Cost?
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Getting into a new car for the first time almost always feels good. But, if you’re considering getting a new car it’s important to make sure your budget can cover all the added costs of the vehicle. Most people remember car payments, but it’s common to forget about insurance payments when you’re trying to figure out what kind of car you can afford.
If you’re looking at getting a new Audi A4, you need to much sure you know how much Audi A4 insurance costs to budget effectively.
Here’s what you need to know about insuring your Audi A4, how much it’s likely to cost, and some of the ways you can help reduce your insurance costs.
Let’s dive in.
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How Much Does Audi A4 Insurance Cost?
Everyone’s policy is going to be a little different, and your insurance costs will be different depending on where you live, your insurance requirements in your state and on your car loan, and depending on your driving history.
But, for the sake of estimating your costs, Audi A4 insurance usually costs about $129 a month, according to Car and Driver, and $181 a month according to The Zebra.
Both prices are a little higher than the average monthly payment for car insurance in the United States, but why is there such a big difference between the two?
Well, for one thing, it depends a bit on whether your Audi A4 is considered a luxury vehicle. In general, the A4 is considered a sporty luxury sedan, which increases car insurance prices and can make your payments closer to the ones predicted by The Zebra.
However, some insurance companies may bill the A4 differently, which could lead to lower prices like the ones Car and Driver reports.
But, that’s ultimately only one of the reasons for the difference.
For one thing, insurance prices are a little lower in some areas than others. So if you’re getting an Audi A4 somewhere that doesn’t have a lot of traffic you may get lower insurance prices than someone living in a city with a high rate of traffic accidents.
Those are all factors that are out of your control, but they can make a big difference in the price. That’s one of the reasons these two companies are reporting such a different rate.
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How Can I Find Out What My Insurance Will Cost If I Buy An Audi A4?
With cars that have such a wide range in insurance prices, it’s a good idea to do a little more research before you decide what model car is right for you.
The first step is calling your insurance agent or company. Explain that you’re considering getting a new Audi A4, but need to know how much money you’d need to budget for the vehicle.
Chances are your insurance company won’t be able to provide a quote since you won’t have all the details about your car, and insurance prices change over time. But, they should be able to give you a ballpark price depending on what kind of insurance you want to carry, current rates, and the year and trim level of A4 you’re considering.
You can also call other insurance companies and explain that you’re getting a new car and want to price out different insurance rates. Again, chances are you won’t get a firm quote without having your new car in hand, but you’ll be able to get a ballpark range for what insurance coverage is available at what price.
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Why Is Audi A4 Insurance More Expensive Than Average?
There are a few reasons A4 insurance might be more expensive than average.
For one thing, like all luxury vehicles, Audi A4 are worth more than typical consumer vehicles. That means that the insurance company will have to pay more if the car is ever damaged, so having higher insurance prices helps to mitigate their risk.
It’s also important because getting your Audi A4 repaired after an accident or other damage might be more expensive because the components themselves are more expensive. So, even relatively minor damage can have larger than average bills.
Insurance companies also take comparative risk into account. Sports vehicles, or sporty luxury sedans in this case, need to have better insurance coverage partially because they can go faster, and therefore can cause more damage if you ever lose control of the vehicle.
So not only is the Audi A4 more expensive to repair, but you’re also slightly more likely to be liable for a large property damage bill if you drive one.
The good news is that modern A4s aren’t that much more expensive than average and often come with a lot of safety features and driver’s assistance that lower the price of insuring them.
It’s also worth upgrading your A4’s trim level in some cases, to get more safety features and further lower the cost of your insurance.
Other Factors Impacting Audi A4 Insurance Cost
There are a lot of other factors that can increase or decrease your insurance payment, here’s a quick look at some of the big ones.
Driver’s Age:
If the primary driver listed on your insurance is 25 years old or younger, chances are it will cost a little more to have them on your insurance. That’s because risk-taking behavior is higher when you’re younger, and settles down as you approach your 30’s.
This factor is also impacted by the driver’s sex. Male drivers have been shown to have more risk-taking behaviors than female drivers, which means that men tend to have higher prices, especially when they’re young.
Driving History
Another huge factor in the cost of your insurance is your recent driving history. If you have been in any accidents in the last 5 years, especially if you are considered at fault for any of those accidents, you will probably have higher insurance rates.
Driving Classes
One way to help bring down the cost of car insurance is to take certain driving courses, either through the state or through your insurance company. For instance, taking a defensive driving course once a year can be a good way to lower your insurance rates.
One note here, not all insurance companies offer discounts for taking safe driving courses, so you should always check with your insurance company before you enroll.
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