Is car insurance for an Audi Q4 expensive?
We looked at average insurance rates for the 40 e-tron Premium model up to the high end Sportback e-tron Prestige trim to find out how insurance for the Q4 compares to all other small luxury SUVs.
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- Car insurance rates for an Audi Q4 average $2,036 per year or around $170 per month, but can vary based on the age of the rated driver.
- The Audi Q4 is one of the more expensive small luxury SUVs to insure, costing $145 more per year on average as compared to the rest of the vehicles in the segment.
- The cheapest Q4 trim to insure is the 40 e-tron Premium trim level at an estimated $1,908 per year, while theQ4 Sportback e-tron Prestige is the most expensive to insure at $2,118 per year.
How much does Audi Q4 insurance cost?
Ranked 31st out of 38 vehicles in the 2024 compact luxury SUV class, Audi Q4 insurance costs on average $2,036 a year for full coverage, or about $170 if paid each month.
Depending on the Q4 trim level being insured, monthly car insurance rates for a 2024 Audi Q4 range from $159 to $177, with the 40 e-tron Premium being cheapest and the Sportback e-tron Prestige costing the most to insure.
The average cost to insure a vehicle in the small luxury SUV segment is $1,891 per year, so the Audi Q4 costs $145 more to insure each year than the average rate for the segment.
The next chart illustrates how Audi Q4 car insurance prices can change with changes in the rated driver age and the chosen policy deductibles. As shown in the chart, rates decrease for older drivers and for higher policy deductible limits.
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Data Methodology: Average premiums are based on a 2024 model year Audi Q4. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premium amounts are averaged across all trim levels.
| Driver Age | Policy Deductible | Annual Premium | Cost Per Month |
|---|---|---|---|
| 20-Year-Old | $1,000 | $3,442 | $287 |
| $500 | $4,110 | $343 | |
| $250 | $4,814 | $401 | |
| 30-Year-Old | $1,000 | $1,808 | $151 |
| $500 | $2,176 | $181 | |
| $250 | $2,560 | $213 | |
| 40-Year-Old | $1,000 | $1,696 | $141 |
| $500 | $2,036 | $170 | |
| $250 | $2,388 | $199 | |
| 50-Year-Old | $1,000 | $1,504 | $125 |
| $500 | $1,798 | $150 | |
| $250 | $2,100 | $175 | |
| 60-Year-Old | $1,000 | $1,410 | $118 |
| $500 | $1,684 | $140 | |
| $250 | $1,968 | $164 |
Data Methodology: Rated driver has no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for the 2024 Audi Q4. Updated December 20, 2023
The next table details the estimated yearly and semi-annual policy costs, plus a monthly budget estimate, for each Audi Q4 model and trim level.
| 2024 Audi Q4 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 40 e-tron Premium | $1,908 | $159 |
| 40 e-tron Premium Plus | $1,984 | $165 |
| 50 e-tron Premium | $1,996 | $166 |
| Sportback e-tron Premium | $2,036 | $170 |
| 50 e-tron Premium Plus | $2,060 | $172 |
| 50 e-tron Prestige | $2,088 | $174 |
| Sportback e-tron Premium Plus | $2,094 | $175 |
| Sportback e-tron Prestige | $2,118 | $177 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated December 20, 2023
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Get Rates in Your AreaWhy is this important?
Additional rates and insights
A few additional data insights concerning the cost of insurance for a Q4 include:
- The cost to insure teen drivers is expensive. Average rates for full coverage Q4 insurance costs $7,213 per year for a 16-year-old driver, $7,011 per year for a 17-year-old driver, $6,328 per year for an 18-year-old driver, and $5,744 per year for a 19-year-old driver.
- Driving violations increase insurance rates. If you want to pay the cheapest price for Q4 insurance rates, it pays to be an excellent driver. In fact, just a few blemishes on your motor vehicle report could result in increasing Q4 insurance cost as much as $540 per year. Serious convictions like a DUI could raise rates by an additional $1,894 or more.
- Q4 insurance is expensive for high-risk drivers. For a 20-year-old driver, having to buy a high-risk insurance policy could trigger a rate increase of $3,210 or more per year.
- Get better rates due to your occupation. The vast majority of auto insurance companies offer discounts for certain occupations like emergency medical technicians, lawyers, dentists, college professors, firefighters, and others. By earning this discount on your policy you could potentially save between $61 and $169 on your annual Q4 insurance bill, depending on the age of the driver.
- Driver gender influences rates. For a 2024 Audi Q4, a 20-year-old male pays an estimated $4,110 per year, while a 20-year-old female pays $2,938, a difference of $1,172 per year. Women get significantly cheaper rates. But by age 50, male rates are $1,798 and the rate for women is $1,754, a difference of only $44.
- Get cheaper rates by researching discounts. Discounts may be available if the policyholders choose electronic billing, are loyal customers, take a defensive driving course, work in certain occupations, sign their policy early, or many other discounts which could save the average driver as much as $348 per year.
- Safer drivers pay lower rates. Having at-fault accidents will cost you more, possibly as much as $2,914 per year for a 20-year-old driver and even $488 per year for a 60-year-old driver.
Audi Q4 insurance rates compared to similar models
When compared to other vehicles in the small luxury SUV class, insurance prices for an Audi Q4 cost $168 more per year than the Mercedes-Benz GLC300, $20 less per year than the BMW X3, $96 more per year than the Audi Q5, and $272 more per year than the Volvo XC60.
The Audi Q4 ranks 31st out of 38 comparison vehicles in the small luxury SUV category for most affordable car insurance rates. The Q4 costs an average of $2,036 per year for full coverage car insurance and the class median price is $1,891 annually, a difference of $145 per year.
The table below shows how insurance rates for an Audi Q4 fare against the top 10 selling small luxury SUVs like the Acura RDX, Volvo XC60, and the Cadillac XT4.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,456 | -$580 |
| 2 | Lexus NX 250 | $1,544 | -$492 |
| 3 | Cadillac XT4 | $1,574 | -$462 |
| 4 | Lexus NX 350h | $1,644 | -$392 |
| 5 | Lincoln Corsair | $1,664 | -$372 |
| 6 | Mercedes-Benz GLB 250 | $1,668 | -$368 |
| 7 | Lexus UX 250h | $1,672 | -$364 |
| 8 | Lexus NX 450h | $1,680 | -$356 |
| 9 | Mercedes-Benz GLA250 | $1,696 | -$340 |
| 10 | Mercedes-Benz GLA35 AMG | $1,704 | -$332 |
| 11 | Land Rover Evoque | $1,740 | -$296 |
| 12 | Lexus NX 350 | $1,748 | -$288 |
| 13 | Volvo XC40 | $1,754 | -$282 |
| 14 | Volvo XC60 | $1,764 | -$272 |
| 15 | Alfa Romeo Tonale | $1,768 | -$268 |
| 16 | Mercedes-Benz GLA45 AMG | $1,778 | -$258 |
| 17 | BMW X1 | $1,800 | -$236 |
| 18 | Infiniti QX55 | $1,804 | -$232 |
| 19 | Volvo C40 | $1,818 | -$218 |
| 20 | BMW X2 | $1,824 | -$212 |
| 21 | Lexus RZ 450e | $1,846 | -$190 |
| 22 | Mercedes-Benz EQB 300 | $1,854 | -$182 |
| 23 | Mercedes-Benz GLC300 | $1,868 | -$168 |
| 24 | Mercedes-Benz EQB 350 | $1,898 | -$138 |
| 25 | Genesis GV70 | $1,920 | -$116 |
| 26 | Audi Q3 | $1,932 | -$104 |
| 27 | Audi Q5 | $1,940 | -$96 |
| 28 | Alfa Romeo Stelvio | $1,958 | -$78 |
| 29 | Land Rover Range Rover Velar | $1,980 | -$56 |
| 30 | BMW X4 | $2,018 | -$18 |
| 31 | Audi Q4 | $2,036 | -- |
| 32 | BMW X3 | $2,056 | $20 |
| 33 | Genesis GV60 | $2,120 | $84 |
| 34 | Porsche Macan | $2,154 | $118 |
| 35 | Jaguar I-Pace | $2,178 | $142 |
| 36 | Land Rover Defender | $2,264 | $228 |
| 37 | Jaguar F-Pace | $2,328 | $292 |
| 38 | Aston Martin DBX | $3,394 | $1,358 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated December 20, 2023
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As an expert and enthusiast, I have access to a vast amount of information and can provide insights on various topics. Regarding the information you shared about car insurance for an Audi Q4, I can provide some analysis based on the data you provided.
According to the information you shared, the average cost of car insurance for an Audi Q4 is $2,036 per year or around $170 per month. However, it's important to note that insurance rates can vary based on factors such as the age of the driver and the specific trim level of the Audi Q4.
The data suggests that the Audi Q4 is one of the more expensive small luxury SUVs to insure, costing $145 more per year on average compared to other vehicles in the segment. The cheapest trim level to insure is the 40 e-tron Premium, estimated at $1,908 per year, while the most expensive trim level to insure is the Sportback e-tron Prestige, estimated at $2,118 per year.
It's worth mentioning that insurance rates can also vary based on other factors such as the driver's age and policy deductibles. For example, the data shows that rates decrease for older drivers and for higher policy deductible limits.
Additionally, the data provides some insights on how insurance rates for the Audi Q4 compare to similar models in the small luxury SUV class. The Audi Q4 ranks 31st out of 38 comparison vehicles for most affordable car insurance rates in the small luxury SUV category. It costs an average of $2,036 per year for full coverage car insurance, while the class median price is $1,891 annually.
It's important to note that the data provided is based on certain assumptions, such as a clean driving record and no claims or at-fault accidents. Actual insurance rates may vary depending on individual circ*mstances and other factors considered by insurance providers.
Please keep in mind that the information provided is based on the data you shared, and it's always a good idea to consult with insurance providers directly to get accurate and up-to-date information regarding car insurance rates for specific vehicles.
