Car Insurance Rate Quotes for an Audi A4 in San Diego

No normal person fancies paying their premiums for insurance, in particular when their premiums are too high.

Insurance rates Audi A4 in San DiegoUnfortunately, about 70% of customers have bought insurance from the same company for well over three years, and nearly half have never compared rates to find cheaper insurance. American drivers could save themselves up to 46.5% a year just by comparing rates, but most undervalue the actual amount they would save if they changed companies. There are many auto insurance companies to buy insurance from, and even though it’s nice to have a choice, it can be more challenging to find the lowest rates for Audi A4 insurance in San Diego.

It’s smart to price shop coverage once or twice a year since insurance prices trend upward over time. If you had the best rates on Audi A4 insurance in San Diego on your last policy you can probably find a lower rate today. Ignore everything you know about insurance because I’m going to teach you the fastest and easiest way to remove unneeded coverages and save money.

Companies offering affordable Audi A4 prices in San Diego, CA

The providers in the list below are our best choices to provide comparison quotes in San Diego, CA. If multiple providers are shown, we suggest you click on several of them to get the best price comparison.


Audi A4 Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
A4 2.0T Quattro Premium Turbo Station Wagon $430 $932 $442 $26 $132 $1,962 $164
A4 2.0T Premium Turbo 4-Dr Sedan $370 $792 $500 $30 $150 $1,842 $154
A4 2.0T Quattro Premium Turbo 4-Dr Sedan $476 $996 $596 $36 $178 $2,282 $190
A4 2.0T Quattro Premium Plus Turbo Station Wagon $228 $554 $574 $34 $172 $1,562 $130
A4 2.0T Premium Plus Turbo 4-Dr Sedan $430 $780 $442 $26 $132 $1,810 $151
A4 2.0T Quattro Premium Plus Turbo 4-Dr Sedan $412 $960 $500 $30 $150 $2,052 $171
A4 2.0T Quattro Premium Plus 4-Dr Sedan $458 $1052 $574 $34 $172 $2,290 $191
A4 2.0T Quattro Prestige Turbo Station Wagon $412 $882 $574 $34 $172 $2,074 $173
A4 2.0T Quattro Prestige 4-Dr Sedan $242 $452 $456 $26 $136 $1,312 $109
A4 2.0T Quattro Prestige Turbo 4-Dr Sedan $228 $482 $464 $28 $138 $1,340 $112
Get Your Own Custom Quote Go

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, multi-policy, and safe-driver. Premium costs do not factor in your specific San Diego location which can alter prices substantially.

Illustration showing the impact of accidents and violations

The diagram below illustrates how violations and at-fault claims can affect Audi A4 annual premium costs for different insured age categories. The rates are based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied.

Save a ton on Audi A4 insurance in San Diego with these discounts

Some providers do not advertise every possible discount in an easy-to-find place, so the below list has some of the more common as well as the least known credits that may apply to you. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.Car insurance discounts

One last thing about discounts, most discount credits are not given to the entire policy premium. Most cut the cost of specific coverages such as comp or med pay. Even though it may seem like you could get a free car insurance policy, it just doesn’t work that way. But all discounts should help reduce the cost of your policy.

A list of car insurance companies and a partial list of their discounts are outlined below.

Check with all the companies how you can save money. Discounts might not be available to policyholders in your area. To choose insurers with discount car insurance rates in San Diego, click this link.

Why You Might Pay Inflated Rates in San Diego

The best way to find cheaper insurance is to take a look at a few of the rating criteria that come into play when calculating the rates you pay for insurance. If you have some idea of what influences your rates, this enables informed choices that can help you get lower premium levels. Many different elements are considered when premium rates are determined. Some factors are common sense such as your driving history, but some are not as apparent such as whether you are married or your vehicle rating.

The itemized list below are just a few of the factors that factor into your premiums.

When should I discuss my situation with an agent?

When quoting and comparing proper insurance coverage for your vehicles, there is no single plan that fits everyone. Your needs are unique to you.Auto insurance savings

These are some specific questions might help in determining whether you will benefit from professional help.

If you can’t answer these questions but you know they apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form. It is quick, free and may give you better protection.

Can’t I compare rates from local San Diego car insurance agents?

Some people still prefer to have an agent’s advice and doing that can be a smart decision Good insurance agents can help determine the best coverages and give you someone to call. An additional benefit of comparing rate quotes online is that you can find cheap car insurance quotes and still buy from a local agent. Putting coverage with small agencies is especially important in San Diego.

San Diego insurance agentsBy using this simple form, your insurance data is sent to agents in your area that can give you free San Diego auto insurance quotes for your insurance coverage. It makes it easy because there is no need to leave your computer due to the fact that quote results will go directly to you. In the event you want to get a price quote from a specific car insurance provider, feel free to find their quoting web page and fill out their quote form.

If you want to use a reputable agency, it helps to know the two types of insurance agents that differ in how they can insure your vehicles. San Diego agents are classified as either independent or exclusive. Both sell car insurance policies, but it’s a good idea to understand the subtle differences because it can factor into the selection process.

Independent Agents

These agents are not employed by any specific company so they can quote policies with any number of different companies and find the cheapest car insurance rates. If premiums increase, your agent can just switch to a different company without you having to go to a different agency.

When comparing rate quotes, you absolutely need to include independent agents for the best price selection.

Below are independent insurance agents in San Diego that may be able to give you rate quotes.


10650 Treena St #105San Diego, CA 92131(858) 391-3001 ext. 105View Map


16855 W Bernardo Dr # 230San Diego, CA 92127(858) 487-3737View Map


1081 Camino del Rio S Ste 210San Diego, CA 92108(916) 742-6995View Map

More San Diego agents

Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company such as Allstate, Farmers Insurance, State Farm, and AAA. These agents are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are highly trained on what they offer and that can be a competitive advantage.

Below is a short list of exclusive insurance agents in San Diego that are able to give rate quotes.


6663 El Cajon Blvd jSan Diego, CA 92115(619) 668-5414View Map


2207 Garnet Ave aSan Diego, CA 92109(858) 273-3001View Map


2820 Camino del Rio S Ste 310San Diego, CA 92108(619) 291-1787View Map

More San Diego agents

Finding the right auto insurance agent should depend on more than just the bottom line cost. The questions below may impact your decision as well.

Upon getting good answers to your questions as well as a price you’re happy with, it’s possible that you found an insurance agent that can be trusted to insure your vehicles.

Persistence will pay off

While you’re price shopping online, you should never buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced comprehensive coverage or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

We just presented some good ideas how to reduce Audi A4 insurance rates online in San Diego. The key concept to understand is the more companies you get auto insurance rates for, the better chance you’ll have of finding inexpensive San Diego auto insurance quotes. You may even be surprised to find that the best price on car insurance is with some of the lesser-known companies.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, lack of trust in their agent, unfair underwriting practices and not issuing a premium refund. It doesn’t matter why you want to switch finding the right car insurance provider can be pretty painless.

Much more information about car insurance in California is available at these links: