Audi S4 Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated auto insurance rates for an Audi S4 are $1,456 annually for full coverage insurance. Comprehensive costs approximately $312 each year, collision costs $624, and liability costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance 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 are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and S4 models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for an Audi S4 go from as cheap as $432 for basic liability insurance to a high rate of $3,174 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These rate differences illustrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rate Comparisons
The chart below illustrates 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 $212 each year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,456
- Using low deductibles for comprehensive and collision insurance will cost $1,870
- Drivers who are prone to accidents and violations could pay around $3,174 or more
- An auto insurance policy with full coverage for a 16-year-old driver can cost $5,356 a year
Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your risk profile, and physical damage deductibles and liability limits.
More mature drivers with no violations or accidents and high physical damage deductibles may pay as low 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 without any violations or accidents they should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 additional annually, depending on your age. Insurance for high-risk drivers can cost from 45% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $630 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,314 | -$142 | -9.8% |
Alaska | $1,116 | -$340 | -23.4% |
Arizona | $1,208 | -$248 | -17.0% |
Arkansas | $1,456 | -$0 | 0.0% |
California | $1,658 | $202 | 13.9% |
Colorado | $1,388 | -$68 | -4.7% |
Connecticut | $1,494 | $38 | 2.6% |
Delaware | $1,646 | $190 | 13.0% |
Florida | $1,820 | $364 | 25.0% |
Georgia | $1,346 | -$110 | -7.6% |
Hawaii | $1,046 | -$410 | -28.2% |
Idaho | $986 | -$470 | -32.3% |
Illinois | $1,084 | -$372 | -25.5% |
Indiana | $1,098 | -$358 | -24.6% |
Iowa | $984 | -$472 | -32.4% |
Kansas | $1,382 | -$74 | -5.1% |
Kentucky | $1,984 | $528 | 36.3% |
Louisiana | $2,156 | $700 | 48.1% |
Maine | $898 | -$558 | -38.3% |
Maryland | $1,200 | -$256 | -17.6% |
Massachusetts | $1,160 | -$296 | -20.3% |
Michigan | $2,526 | $1,070 | 73.5% |
Minnesota | $1,220 | -$236 | -16.2% |
Mississippi | $1,742 | $286 | 19.6% |
Missouri | $1,292 | -$164 | -11.3% |
Montana | $1,562 | $106 | 7.3% |
Nebraska | $1,146 | -$310 | -21.3% |
Nevada | $1,746 | $290 | 19.9% |
New Hampshire | $1,050 | -$406 | -27.9% |
New Jersey | $1,626 | $170 | 11.7% |
New Mexico | $1,288 | -$168 | -11.5% |
New York | $1,532 | $76 | 5.2% |
North Carolina | $836 | -$620 | -42.6% |
North Dakota | $1,192 | -$264 | -18.1% |
Ohio | $1,002 | -$454 | -31.2% |
Oklahoma | $1,494 | $38 | 2.6% |
Oregon | $1,334 | -$122 | -8.4% |
Pennsylvania | $1,386 | -$70 | -4.8% |
Rhode Island | $1,942 | $486 | 33.4% |
South Carolina | $1,320 | -$136 | -9.3% |
South Dakota | $1,228 | -$228 | -15.7% |
Tennessee | $1,274 | -$182 | -12.5% |
Texas | $1,754 | $298 | 20.5% |
Utah | $1,078 | -$378 | -26.0% |
Vermont | $994 | -$462 | -31.7% |
Virginia | $872 | -$584 | -40.1% |
Washington | $1,124 | -$332 | -22.8% |
West Virginia | $1,334 | -$122 | -8.4% |
Wisconsin | $1,006 | -$450 | -30.9% |
Wyoming | $1,296 | -$160 | -11.0% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every company uses a different method to calculate prices, and prices will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Rates assume 2018 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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2018 Audi S4 | $312 | $624 | $384 | $1,456 |
2014 Audi S4 | $260 | $454 | $394 | $1,244 |
2010 Audi S4 | $212 | $326 | $402 | $1,076 |
2009 Audi S4 | $200 | $296 | $402 | $1,034 |
2007 Audi S4 | $190 | $260 | $390 | $976 |
2006 Audi S4 | $188 | $248 | $384 | $956 |
2004 Audi S4 | $166 | $224 | $376 | $902 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Affordable Audi S4 Insurance
Finding better rates on insurance for an Audi S4 not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The items below are a brief review of the ideas that were raised in the charts and tables above.
- Teen drivers are the costliest to insure, with premiums being up to $446 per month if they have full coverage
- Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,720 more per year to insure their S4
- Increasing policy deductibles could save up to $625 each year
- It is possible to save around $180 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,356 |
20 | $3,382 |
30 | $1,526 |
40 | $1,456 |
50 | $1,330 |
60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,870 |
$250 | $1,678 |
$500 | $1,456 |
$1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,456 |
50/100 | $1,533 |
100/300 | $1,629 |
250/500 | $1,878 |
100 CSL | $1,571 |
300 CSL | $1,782 |
500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,686 |
20 | $5,390 |
30 | $3,252 |
40 | $3,174 |
50 | $3,024 |
60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $78 |
Homeowner | $21 |
5-yr Accident Free | $114 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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