Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability is $388. A liability-only policy costs around $434 a year, with high-risk insurance costing $3,072 or more. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Raising to $1,000 deductibles will save about $202 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,412
• Using more expensive low deductibles will cost an additional $394 every year
• At-risk drivers who are prone to accidents and violations could pay at least $3,072 or more
• An auto insurance policy that insures a teen driver with full coverage can be $5,212

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Auto insurance prices for an Audi S4 also have a wide range based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S4 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

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Using high physical damage deductibles can reduce prices by up to $600 every year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Low Cost Audi S4 Insurance

Finding better rates on car insurance consists of being a good driver, maintaining a good credit score, refrain from filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following list is a review of the data raised in the charts and tables above.

• Policyholders who may need an increased level of liability coverage will pay an extra $430 per year to raise from 30/60 bodily injury limits to the 250/500 level
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $600 each year
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $434 per month if the policy includes full coverage