Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs on average $300, collision costs $588, and liability is $388. A policy with just liability insurance costs around $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teenage drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

These examples highlight why everyone should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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 different risk profiles and scenarios.

• The best discount rate is $795
• Raising to $1,000 deductibles will save around $202 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,412
• Using pricier low deductibles will cost an additional $394 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• The cost that insures a 16-year-old driver for full coverage may cost $5,212

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on the model of your S4, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 additional per year, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you live also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates can be significantly 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 Cheaper Audi S4 Insurance

Saving money on insurance for an Audi S4 consists of being a good driver, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Compare prices every time your policy renews by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a condensed summary of the information touched on above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 pay higher rates, as much as $434 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $600 each year
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,660 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay an extra $430 per year to raise from a minimum limit to the 250/500 level