2026 Audi Q4 45 e-tron cost to own in Maryland — the true 5-year total
The 2026 Audi Q4 45 e-tron starts at $50,900. As of July 1, 2026, over 5 years, owning one (EV) costs about $62,410 in Maryland — $1,040/month, $1.04/mile — including depreciation, charging (with the ~12% AC charging loss most calculators ignore), maintenance, insurance, financing and fees. That's $21,924 more than a comparable Toyota RAV4 LE (gas) over the same 5 years. Maryland's electricity (22.1¢/kWh) is 17% above the U.S. average, and gas runs $3.74/gal here — both fed straight into the numbers above. The federal $7,500 EV credit expired Sept 30, 2025 and is not applied.
2026 Audi Q4 45 e-tron · Maryland · 5-year estimate$62,410 total · $1,040/mo · $1.04/mi
Where the money goes
| Cost component | Electric · 2026 Audi Q4 45 | Gas · Toyota RAV4 LE |
|---|---|---|
| Depreciation (estimated) | $29,013 (46%) | $10,800 (27%) |
| Charging / fuel | $5,751 (9%) | $7,486 (18%) |
| ↳ of which charging loss | 12% (~$690) | — |
| Maintenance | $3,660 (6%) | $5,520 (14%) |
| Insurance | $13,750 (22%) | $11,000 (27%) |
| Financing interest | $9,009 (14%) | $5,078 (13%) |
| Registration & fees | $1,228 (2%) | $603 (1%) |
| Total cost of ownership | $62,410 | $40,486 |
The charging-loss row is the ~10–15% of electricity lost to AC charging that you pay for but never reaches the battery — we include it; most calculators don't.
2026 Audi Q4 45 e-tron specs & assumptions
- Starting MSRP
- $50,900manufacturer base
- Powertrain
- Electric
- Efficiency
- 29.4 kWh/100miEPA
- Range
- 288 miEPA
- Maryland electricity
- 22.1¢/kWhEIA
- Annual miles (assumed)
- 12,000adjustable in tool
Compare the 2026 Audi Q4 45 e-tron against any car, your miles & your state
What else moves your 2026 Audi Q4 45 e-tron cost
The 5-year total already folds in depreciation, charging, insurance, maintenance and financing. Here's how the biggest levers work — and the ones that sit outside the total.
- Financing. Borrow the full $50,900 at a typical 7.2% new-car APR over 60 months and interest alone adds about $9,861. Lower the APR or add a down payment in the calculator and the total drops — financing is in the 5-year figure above.
- Insurance. This model averages about $2,750/yr to insure — roughly $550/yr more than a comparable gas car ($2,200/yr), as EV parts and repairs tend to cost more — our own estimate, calibrated to Insurify/Bankrate 2026, and already in the total above.
- Home charger. A Level 2 home charger is a one-time $500–$2,000 installed (depends on your panel and wiring) — not in the total above, but it pays back fast versus public fast-charging.
- Tires. EVs are heavier and make instant torque, so tires can wear ~20% faster — a real running cost most comparisons skip. We fold a higher maintenance rate for EVs into the total.
- Where you charge. Public DC fast-charging can cost 2–3× your home rate. The total assumes 80% home charging; if you can't charge at home, lower that share in the calculator to see the real cost.
Cost to charge the 2026 Audi Q4 45 e-tron at home
The 2026 Audi Q4 45 e-tron runs about $7.37 per 100 mi at home — versus about $12.48 for a typical 30 mpg gas car. Home charging only (the ~12% AC charging loss is included); public DC fast-charging is billed per session by each network — often 2–3× the home rate — and isn't in these figures.
- Per 100 mi at home
- $7.3729.4 kWh/100mi + 12% charging loss × $0.22/kWh
- A typical 30 mpg gas car
- $12.48/100miat $3.74/gal — for comparison
Recalls & reliability record — Q4 e-tron
Official U.S. National Highway Traffic Safety Administration (NHTSA) safety record for the Q4 e-tron, MY 2022–2026. Figures cover all powertrains and trims sold under the Q4 e-tron nameplate for the model years shown. A recall means a free remedy is available at no cost. Source: NHTSA (nhtsa.gov), data as of .
Recalls (7)
- Seat Belts
Dealers will replace one or both front seat belts, free of charge.
- Electrical System
Dealers will replace the OCDC, free of charge.
- Power Train
Dealers will update the brake control unit software, free of charge.
- Exterior Lighting
Dealers will update the headlight control module with a new data set, free of charge.
- Electrical System
Owners are advised not to use the 220V/240V compact/portable charging cable and only use the 110V home charging cable or public charging stations.
- Air Bags
Dealers will install cloth tape in the driver and front passenger B-pillar area, free of charge.
- Back Over Prevention
Dealers will replace the rearview camera, free of charge.
Consumer complaints
NHTSA has 23 consumer complaints on file for the Q4 e-tron (MY 2022–2026). The most-reported areas: Electrical System, Service Brakes, Tires. Complaints are unverified reports submitted by consumers to NHTSA.
← 2026 Audi Q4 45 e-tron cost (U.S. average)