Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive costs around $312, collision costs $624, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing around $3,174. Teen drivers pay the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Price estimates for individual coverage:

These estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

The ranges above highlight why everyone should compare prices for a specific zip code, instead of using price averages.

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

Additional Rate Information

The chart below breaks down estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $816
• Using higher $1,000 deductibles will save about $212 every year
• The estimated price for the average middle-age driver using $500 deductibles is $1,456
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,870
• Drivers with multiple violations and an at-fault accident could pay at least $3,174 or more
• The price that insures a teen driver for full coverage can be $5,356 or more

View Chart as Image

Auto insurance prices for an Audi S4 are also quite variable based on the model of your S4, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,700 to $2,400 in extra premium each year, depending on your age. Audi S4 insurance for high-risk drivers can be as much as 45% to 130% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age

The state you live in has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,080 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $630 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted prices may be quite different.

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 Find Cheap Audi S4 Insurance

Getting lower rates on car insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Shop around at every other renewal by requesting quotes from direct car insurance companies, and also from local insurance agencies.

Below is a brief summary of the concepts that were presented in the illustrations above.

• Higher risk drivers that tend to have accidents or serious violations may have to pay on average $1,720 more every year for auto insurance
• Teenage drivers are expensive to insure, possibly costing $446 a month if the policy includes full coverage
• You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save approximately $625 each year
• You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date