Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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The average insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs around $312, collision costs $624, and liability costs around $384. Liability-only insurance costs as low as $432 a year, with high-risk driver insurance costing around $3,174. Teen drivers cost the most to insure at $5,356 a year or more.
Average premium for full coverage: $1,456
Policy rates for type of insurance:
Rates are based on $500 physical damage insurance deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and for all S4 models.
Price Range Variability
For a driver around age 40, Audi S4 insurance rates go from the low end price of $432 for just the minimum liability insurance to the much higher price of $3,174 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas.
The example below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why everyone should compare prices for a specific zip code, instead of making a decision based on price averages.
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.
Additional Rate Analysis
The chart below details 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 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,456
- Choosing pricier low deductibles for physical damage coverage bumps up the cost to $1,870
- High-risk insureds with multiple violations and an at-fault accident could pay at least $3,174 or more
- Policy cost that insures a 16-year-old driver for full coverage can be $5,356 or more
Auto insurance rates for an Audi S4 also range considerably based on the model of your S4, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,400 in extra premium every year, depending on your age. Audi S4 insurance for high-risk drivers can be from 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 low as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,300 a year. View Rates by Age
Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,960 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles could cut rates by as much as $630 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied.
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $384 | $750 | $332 | $1,602 |
| 2023 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2022 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2021 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2020 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2019 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2018 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2016 Audi S4 | $270 | $484 | $390 | $1,280 |
| 2014 Audi S4 | $254 | $424 | $402 | $1,216 |
| 2010 Audi S4 | $200 | $296 | $402 | $1,034 |
| 2009 Audi S4 | $194 | $266 | $398 | $994 |
| 2007 Audi S4 | $188 | $248 | $384 | $956 |
| 2006 Audi S4 | $172 | $236 | $380 | $924 |
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 Find the Best Cheap Audi S4 Insurance
Finding cheaper rates on insurance for an Audi S4 requires being a low-risk driver, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Shop around every year by requesting quotes from direct companies, and also from your local independent and exclusive agents.
The items below are a quick review of the coverage data covered above.
- You may be able to save up to $180 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $625 each year
- Teen drivers are expensive to insure, as much as $446 each month if the policy includes full coverage
- Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,720 more every year to insure their S4
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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