Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive costs on average $300, collision insurance costs $588, and liability costs $388. A liability-only policy costs as little as $434 a year, and high-risk insurance costs around $3,072. Teenage drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than densely populated cities. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Details

The chart below details average Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $202 annually
• The average price for a good driver age 40 with $500 deductibles is $1,412
• Using more expensive low deductibles for comprehensive and collision insurance increases the price to $1,806
• Drivers who are prone to accidents and violations could pay upwards of $3,072
• Policy cost to insure a 16-year-old driver with full coverage may cost $5,212 a year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your S4.

Using high physical damage deductibles could save up to $600 annually, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires being a low-risk driver, but also maintaining a good credit score, not filing small claims, and possibly raising deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The items below are a brief recap of the material that was covered above.

• Insureds who require more liability coverage will pay an extra $430 every year to go from a 30/60 limit to a 250/500 level
• Teen drivers are expensive to insure, as much as $434 each month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,660 more each year to insure their S4
• Increasing comprehensive and collision deductibles could save as much as $600 each year