Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on insurance rates. More rural locations have lower incidents of accident claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The ranges above show why it is important to get quotes for a targeted area, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows estimated Audi S4 insurance rates for other coverage scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save approximately $1,210 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,412
• Using low $100 deductibles for comp and collision coverage will cost an additional $394 every year
• Unlucky drivers who are prone to accidents and violations could pay up to $3,072 or more
• The price that insures a teen driver can cost as much as $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the trim level of your S4, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $600 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the 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 the Best Cheap Audi S4 Insurance

Getting lower rates on car insurance takes avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices once a year by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The list below is a quick review of the data that was presented in the illustrations above.

• Drivers can save approximately $170 per year simply by quoting early and online
• Policyholders who want higher liability limits will pay an extra $430 each year to raise limits from a low limit to the 250/500 level
• Teenagers are charged the highest prices, with premiums as much as $434 a month if full coverage is included
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,660 more annually for car insurance