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Audi A4 insurance cost UK 2026

The average Audi A4 costs about £1,278 a year to insure comprehensively in 2026, sitting in insurance groups 19 to 46 depending on engine and trim — well above the £719 average comprehensive quote recorded by the Confused.com Price Index, because the A4 is a premium German saloon with premium parts and repair bills.

See premiums by age All vehicles

Group 19-46

Insurance group range by trim

~£1,278/yr

Average A4 premium (Finder UK)

1.8x avg

vs the £719 UK average quote

Direct answer: what does it cost to insure an Audi A4?

A typical UK driver insuring an Audi A4 pays in the region of £1,100 to £1,300 a year for fully comprehensive cover, with model-level market data from Finder UK putting the average at £1,278.44 a year (about £111.50 a month if paid by instalments). For context, the Confused.com Price Index put the average comprehensive quote across all cars at £719 in its Q2 2026 reading, while the ABI’s Motor Insurance Premium Tracker put the average price actually paid at around £560 in Q1 2026. Those two figures are measured on different bases — quoted versus paid — so they should never be blended, but on either measure the A4 sits comfortably above the market.

Four structural factors explain the gap:

Insurance group. The A4 range spans groups 19 to 46 out of 50. The entry 1.4 TFSI SE saloon sits at group 19; mid-range 35 TFSI and 30 TDI trims land in the low-to-mid 20s; 40 TDI quattro Sport reaches 31; the S4 runs 36–44 and the RS4 tops the range. Group is the single strongest vehicle-side price signal insurers use.
Vehicle value and total-loss exposure. A used A4 typically carries £12,000–£45,000 of value depending on age and spec, so a write-off costs an insurer far more than it would on a supermini.
Repair economics. Genuine Audi panels, aluminium bonnet and wing sections, Matrix LED headlights and the A4’s driver-assistance sensor suite (radar behind the grille, camera at the screen, parking sensors and cameras in the bumpers) all have to be replaced and then recalibrated after even a modest front-end knock. ADAS recalibration alone routinely adds several hundred pounds to a claim, and the ABI has repeatedly flagged rising repair cost as the main upward pressure on motor premiums in 2026.
Theft profile. Premium German saloons are a known target for relay and key-cloning attacks, and Audi models sit alongside BMW and Mercedes in most-targeted lists. That risk is priced in, particularly in urban postcodes.

The important nuance is that “the A4” is not one price. The spread between the cheapest and dearest A4 is enormous, and a settled driver in a low-group A4 can get close to the national average — while the same car in the wrong trim, postcode or age band costs several times that.

By driver age

Audi A4 insurance premium by driver age band (2026)

Driver age is the single biggest lever on the price of an A4 policy — bigger than trim, and usually bigger than postcode. The figures below are indicative annual comprehensive premiums for a mid-specification Audi A4 saloon (roughly group 23–26) with a clean licence, average annual mileage and off-street parking. Your own quote will move with no-claims bonus, occupation, claims history and postcode.

Audi A4 insurance: typical annual premium by driver age — UK 2026

A driver in their 50s insures an A4 for roughly a quarter of what a 17–24 driver pays for the same car.

Source: Indicative figures for a mid-specification Audi A4 saloon, modelled from Finder UK Audi A4 quote data (model average £1,278.44/yr; group-19 1.4T FSI SE base car at age 20 £1,142.45, age 30 £594.10, age 40 £573.80, age 50 £547.25) with a mid-trim uplift applied, benchmarked to the Confused.com Price Index (£719 average quote, Q2 2026) and ABI Motor Insurance Premium Tracker (£560 average paid, Q1 2026). Cross-check with a live quote.

Driver age band	Indicative annual premium	Notes
17–24 (young/new driver)	£2,100–£3,400	A group-19+ premium saloon is a costly first car; telematics is the main lever here
25–34	£800–£1,300	Drops sharply as no-claims bonus builds; still above the market average
35–49	£550–£800	The A4’s natural buyer; a clean licence here prices close to the UK average quote
50–64	£500–£720	Cheapest band — Finder records £547 on a base group-19 A4 at age 50
65+	£550–£820	Creeps back up slowly; shop specialist over-65 insurers as well as comparison sites

Indicative figures for a mid-specification Audi A4 saloon (group ~23–26), modelled from Finder UK Audi A4 quote data (average £1,278.44/yr) and benchmarked against the Confused.com Price Index (£719 average comprehensive quote, Q2 2026) and the ABI Motor Insurance Premium Tracker (£560 average paid, Q1 2026). Quoted and paid averages are different bases and are not directly comparable. See our UK car insurance cost index for the full market picture.

Postcode moves the number almost as much as trim does. On the same base A4, Finder records roughly £869 in east London (E10) against £594 in Chester (CH1) and £472 in Newquay (TR8) — an 84% spread on an identical car and driver, driven entirely by local theft and claims frequency.

By version

Audi A4 insurance group by trim and engine

Insurance groups are set by Thatcham Research on a 1–50 scale using repair cost, parts prices, performance and security. Within the A4 range the spread is unusually wide, so the version you choose is worth real money every year.

Audi A4 version	Insurance group	What it means
1.4 TFSI SE 150PS saloon	19	The cheapest A4 to insure — lowest group in the whole range
30 TDI Technik 136PS S tronic	22	Cheapest diesel; frugal and modestly grouped
35 TFSI Sport Edition	23	Popular mid-spec petrol, still sensibly priced
2.0 TFSI SE S tronic	26	More power lifts the group by seven points over the 1.4
50 TDI quattro Black Edition	27	Big diesel, but Black Edition trim keeps it mid-range
40 TDI 204PS quattro Sport	31	Four-wheel drive and higher output push it into the 30s
45 TFSI 265PS quattro Vorsprung	39	Top non-S trim; near-performance pricing
S4 3.0 V6 TFSI 354PS / S4 Vorsprung TDI	36–44	Performance variants; a big step up in premium

Source: Parkers insurance group data for the Audi A4 saloon (2015–2024), cross-checked against Finder UK, which puts the full A4 range at groups 19–46 once RS4 derivatives are included. Groups vary by exact model year, transmission and options — check the group for your registration before you buy. See insurance groups explained.

Save money

The cheapest way to insure an Audi A4 — and the alternatives

If you already own an A4, most of your saving comes from how you buy the policy. If you are still choosing, the trim decision is worth more than everything else combined.

Buy the lowest-group version you can live with. Moving from a 40 TDI quattro Sport (group 31) to a 35 TFSI Sport Edition (group 23) or a 30 TDI Technik (group 22) typically takes a meaningful double-digit percentage off the premium for identical cover.
Protect and build your no-claims bonus. Five or more years of NCB is the largest single discount available on a premium saloon, and NCB protection is usually cheap relative to what one at-fault claim does to an A4 renewal.
Pay annually rather than monthly. Instalments are credit; paying the year up front commonly saves 10–15% on the same policy.
Set a sensible voluntary excess. Raising it lowers the premium, but keep it to an amount you could genuinely pay after a bumper repair — A4 front-end repairs with sensor recalibration are not cheap.
Harden the car against relay theft. A Faraday pouch for the keys, a visible steering lock, an OBD port guard and a Thatcham-approved tracker all reduce theft risk, and several insurers will reflect a tracker in the price on higher-value A4s.
Declare every modification. Wheels, remaps, lowered suspension and bodykits must be declared; an undeclared mod can void the policy and the claim.
Consider telematics if you are under 25. A black box prices you on your own driving rather than the group average, and is usually the only realistic route to an affordable A4 for a young driver.
Re-shop every single renewal. The A4 quote spread is very wide, and loyalty is worth nothing — the FCA’s pricing rules stop insurers charging renewing customers more than new ones for the same policy, but they do not stop a different insurer being cheaper.

Cheaper alternatives to consider. If the A4’s premium is the sticking point, the Audi A3 delivers much of the same cabin and badge from lower groups and averages nearer £1,196 a year. A Volkswagen Passat or Skoda Superb shares much of the A4’s platform engineering at noticeably lower group ratings, and a Ford Mondeo or Mazda6 in a comparable spec will usually undercut all of them. Within the Audi range, a lower-group A4 will almost always beat a higher-group Audi Q3 on price. Browse the full by-vehicle index to compare.

FAQs

Audi A4 insurance: your questions answered

What insurance group is an Audi A4?

The Audi A4 range spans insurance groups 19 to 46 out of 50. The 1.4 TFSI SE saloon sits at the bottom on group 19, mid-range 30 TDI and 35 TFSI trims land around groups 22 to 26, the 40 TDI quattro Sport reaches 31, and performance S4 and RS4 derivatives run from 36 up to 46. Most ordinary A4s on UK roads sit in the low-to-mid 20s. Check the group for your exact trim, engine and transmission before you buy.

How much does it cost to insure an Audi A4 in 2026?

Around 1,278 pounds a year on average for fully comprehensive cover, based on Finder UK model-level quote data. A driver aged 35 to 64 with a clean licence and full no-claims will often pay 550 to 800 pounds, while a 17 to 24 year old typically faces 2,100 to 3,400 pounds. For comparison, the Confused.com Price Index put the average comprehensive quote across all cars at 719 pounds in Q2 2026 and the ABI put the average premium actually paid at about 560 pounds in Q1 2026.

Why is the Audi A4 more expensive to insure than the UK average?

Four reasons: it starts at group 19 and climbs to 46, so it is grouped well above a mainstream hatchback; its value means a larger total-loss payout; genuine Audi parts, aluminium panels, Matrix LED headlights and driver-assistance sensors make repairs expensive, with ADAS recalibration adding hundreds of pounds to routine claims; and premium German saloons are a known relay-theft target. The ABI has repeatedly identified repair cost as the main upward pressure on motor premiums in 2026.

What is the cheapest Audi A4 to insure?

The 1.4 TFSI SE 150PS saloon at insurance group 19 is the cheapest A4 in the range. The 30 TDI Technik 136PS at group 22 and the 35 TFSI Sport Edition at group 23 are the next cheapest and are far more common on the used market. Avoid quattro versions, the 45 TFSI Vorsprung at group 39 and any S4 or RS4 if premium is your priority.

Is a diesel Audi A4 cheaper to insure than a petrol?

Sometimes, but it depends on output rather than fuel. The 30 TDI Technik sits at group 22, below the 2.0 TFSI SE at group 26, so the small diesel is cheaper than the bigger petrol. But the 40 TDI quattro Sport at group 31 is far dearer than the 1.4 TFSI SE at group 19. Compare the specific engine and trim, not petrol versus diesel in general.

Is the Audi A4 a theft target, and does that push up my premium?

Yes. Keyless Audis, including the A3 and A4, are targeted by relay and key-cloning attacks alongside BMW and Mercedes equivalents, and theft risk is priced into the premium, especially in urban postcodes. Finder data on an identical base A4 shows roughly 869 pounds in east London against 472 pounds in Newquay. A Faraday pouch, a steering lock, an OBD port guard, a Thatcham-approved tracker and off-street or garaged parking all help.

Is the Audi A4 cheap to insure for a young or newly qualified driver?

No. Even the lowest-group A4 is a poor first car on price: a 17 to 24 year old should budget 2,100 to 3,400 pounds a year, and considerably more in a high-risk postcode or on a quattro trim. A telematics or black box policy is usually the most effective way to bring the number down, followed by adding an older experienced named driver, though the main policyholder must be the main user or it is fronting, which is fraud.

The newest Audi saloon is called the A5 — does that change A4 insurance?

Not for existing owners. Audi briefly moved to odd numbers for combustion cars, so the direct A4 replacement launched as the A5 for the 2025 model year, and Audi has since said publicly that the change was a mistake and it will return to its earlier naming. Practically, insurers price the car in front of them by registration, VIN and Thatcham group, not by badge, so the figures on this page apply to the A4 saloon and Avant as sold up to 2024. If you are quoting a newer car, search the A5 name instead.

Transparency

Our sources

Finder UK — Audi A4 insurance group and cost (average £1,278.44/yr; age-band and postcode quote examples; group range 19–46)
Parkers — Audi A4 Saloon (2015–2024) insurance groups by trim and engine
Thatcham Research — insurance group rating methodology, the 1–50 scale and ADAS repair/recalibration cost
Confused.com Car Insurance Price Index in association with WTW — £719 average comprehensive quote, Q2 2026
Association of British Insurers — Motor Insurance Premium Tracker, average premium paid (£560, Q1 2026) and 2026 repair-cost commentary
Audi UK and published model-naming statements — A4 to A5 nomenclature change and subsequent reversal

Explore more: all vehicles · insurance groups explained · UK car insurance cost index.

Reviewed by the Car Insurance Expert editorial team. Methodology: model-level quote data is taken from published UK sources and benchmarked against the Confused.com Price Index (quoted) and the ABI Motor Insurance Premium Tracker (paid), which are separate measurement bases and are reported separately throughout. Insurance groups are Thatcham ratings as published by Parkers. Age-band figures are indicative for a mid-specification A4 with a clean licence and are not quotes.

Last updated: 2026-08-02

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