Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on car insurance prices. Rural locations have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above highlight why it is important to compare prices using their specific location and risk profile, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $1,210 every year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Choosing low $100 deductibles for physical damage coverage will cost an extra $394 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,072 or more
• The price for full coverage for a teenage driver can cost $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on your driving record, the model of your S4, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $600 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite 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 More Affordable Audi S4 Insurance

Getting lower rates on auto insurance requires having a decent driving record, having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a summary of the ideas that were covered above.

• 16 to 18-year-old drivers are the costliest to insure, possibly costing $434 a month including comprehensive and collision insurance
• Drivers who have multiple accidents or major violations could be forced to pay on average $1,660 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $600 each year
• You may be able to save around $170 per year simply by quoting early and online