Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs approximately $312 a year, collision costs $624, and liability insurance costs $384. A policy with only liability insurance costs as little as $432 a year, with a high-risk policy costing around $3,174. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Prices include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance prices.

These rate differences demonstrate why it is important to compare rates using their specific location and risk profile, rather than relying on average rates.

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

Rates by State, City, and Model

The chart below details estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $816
• Drivers who choose higher $1,000 deductibles will pay $1,244 annually
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,870
• High risk drivers who are prone to accidents and violations could pay around $3,174 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,356 a year

View Chart as Image

Car insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,300 a year. View Rates by Age

Where you choose to live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $630 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially different from one company to the next.

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 Right Audi S4 Insurance

Finding better rates on Audi S4 insurance not only requires being a safe and courteous driver, but also having above-average credit, being claim-free, and avoiding coverage lapses. Take the time to comparison shop every other policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below is a quick rundown of the ideas that were touched on in the above illustrations.

• Teenage drivers pay the highest auto insurance prices, possibly costing $446 per month if full coverage is included
• High-risk drivers with reckless driving or DUI convictions pay on average $1,720 more per year for auto insurance
• Increasing policy deductibles can save around $625 each year
• You may be able to save around $180 per year simply by quoting early and online