Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than larger metro areas.

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

These examples illustrate why it is important to compare rates using their specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $795
• Drivers who choose higher $1,000 deductibles will pay $1,210 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,412
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $394 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,072 or more
• The cost for full coverage for a teenage driver can cost $5,212 a year

View Chart as Image

Auto insurance rates for an Audi S4 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may only pay around $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $600 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, and quoted rates can be significantly 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 Affordable Audi S4 Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at least every other year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The points below are a brief review of the car insurance concepts covered above.

• Drivers with DUI or reckless driving convictions may pay on average $1,660 more per year to insure an Audi S4
• It is possible to save around $170 per year simply by quoting early and online
• Increasing deductibles can save around $600 each year
• Consumers who purchase increased liability limits will pay about $430 annually to go from a minimum limit to 250/500 limits