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2011 Audi S4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jun 12, 2015

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Average insurance rates for an 2011 Audi S4 are $1,244 a year with full coverage. Comprehensive costs around $260, collision costs $454, and liability costs around $394. Buying a liability-only policy costs as low as $440 a year, with high-risk insurance costing around $2,694. Teen drivers receive the highest rates at $4,670 a year or more.

Annual premium for full coverage: $1,244

Rate estimates for 2011 Audi S4 Insurance

Comprehensive $260
Collision $454
Liability $394

Rate data is compiled from all 50 U.S. states and averaged for all 2011 Audi S4 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range go from as low as $440 for the bare minimum liability coverage to a much higher rate of $2,694 for a driver that may need high-risk insurance.

Liability Only $440
Full Coverage $1,244
High Risk $2,694

View Chart as Image

2011 Audi S4 insurance rates compared
Column chart showing 2011 Audi S4 insurance prices range from $716 to $4,670 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2011 Audi S4 Insurance

Searching Companies

Searching for cheaper insurance for a new or used Audi S4 can turn out to be a lot of work, but you can learn these tips to save time. There are both good and bad ways to buy auto insurance so we’re going to tell you the absolute fastest way to quote coverages for a Audi and locate the best price possible either online or from local insurance agents.

The method we recommend to compare insurance rates in your area is to take advantage of the fact most larger insurance companies provide online access to give you rate quotes. The one thing you need to do is take a few minutes to give details including daily mileage, if a SR-22 is needed, if you’re married, and driver ages. Your insurance information is instantly submitted to multiple companies and you get price estimates immediately.

To compare rates for a 2011 Audi S4 now, click here and enter the information requested.

Are you falling for claims of savings?

Consumers can’t ignore all the ads that promise big savings by State Farm and Allstate. All the ads make an identical promise that you’ll save big if you switch to their company.

How do they all make the same claim?

All companies can use profiling for the type of customer that is profitable for them. For instance, a driver they prefer might be profiled as over the age of 50, has no prior claims, and drives less than 10,000 miles a year. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest rates and most likely will save a lot of money.

Drivers who don’t qualify for this ideal profile will have to pay higher premiums and this can result in business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that much money. That’s the way insurance companies can make those claims. Because of the profiling, you should compare as many rates as you can. It’s just too difficult to predict which auto insurance company will have the lowest Audi S4 insurance rates.

Take discounts and save

Companies don’t list every available discount very well, so we break down both well-publicized and also the lesser-known auto insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. The good student discount can last well after school through age 25.
  • Multiple Policy Discount – When you combine your home and auto insurance with one insurance company you may earn up to 20% off your total premium.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Payment Method – If you pay your bill all at once instead of paying each month you could save 5% or more.
  • One Accident Forgiven – A handful of insurance companies will forgive one accident before hitting you with a surcharge as long as you don’t have any claims for a certain period of time.
  • Own a Home – Owning a house may earn you a small savings because owning a home shows financial diligence.
  • No Claims – Good drivers with no accidents pay less when compared with frequent claim filers.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could save 15% off the personal injury premium cost.
  • Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can get savings of 20% or more.

It’s important to understand that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

For a list of providers offering auto insurance discounts, click here to view.

Which policy gives me the best coverage?

When choosing proper insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover whether your personal situation could use an agent’s help.

  • Is a fancy paint job covered?
  • Do I need higher collision deductibles?
  • Am I covered if I drive in a foreign country?
  • When should I buy a commercial auto policy?
  • Am I better off with higher deductibles on my 2011 Audi S4?
  • Should I drop comprehensive coverage on older vehicles?

If you’re not sure about those questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Having a good grasp of your insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Audi S4.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for immediate expenses such as rehabilitation expenses, hospital visits, prosthetic devices and doctor visits. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Coverage for liability – This protects you from damages or injuries you inflict on other people or property in an accident. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as structural damage, loss of income and funeral expenses. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage – This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, theft, hail damage and vandalism. The maximum amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverages – Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like hitting a parking meter, colliding with a tree, driving through your garage door and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Pennies from heaven

In this article, we covered many tips how you can shop for 2011 Audi S4 insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with a small local company.

Discount insurance can be purchased both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance companies don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

Insureds change insurance companies for many reasons like questionable increases in premium, being labeled a high risk driver, poor customer service and even not issuing a premium refund. It doesn’t matter why you want to switch finding a new company is not as hard as you think.

For more information, link through to the following helpful articles:

Rates by U.S. City

2011 Audi S4 Insurance Rates by City
City Premium
New York City, NY $1,965
Los Angeles, CA $2,127
Philadelphia, PA $1,658
Jacksonville, FL $1,803
Phoenix, AZ $1,445
Chicago, IL $1,667
Houston, TX $1,947
Seattle, WA $1,207
Columbus, OH $1,038
Indianapolis, IN $1,060

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $4,670
20 $2,864
30 $1,296
40 $1,244
50 $1,138
60 $1,118

Full coverage, $500 deductibles

Rates by Deductible

2011 Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,558
$250 $1,414
$500 $1,244
$1,000 $1,082

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,244
50/100 $1,323
100/300 $1,421
250/500 $1,677
100 CSL $1,362
300 CSL $1,579
500 CSL $1,737

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $6,662
20 $4,564
30 $2,750
40 $2,694
50 $2,570
60 $2,546

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.

SR-22 Surcharge $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $66
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $90
5-yr Claim Free $81
Paid in Full/EFT $56
Advance Quote $61
Online Quote $89
Total Discounts $528
Rate after discounts $716

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2011 Audi S4 Insurance Rates by State
State Premium
Alabama $1,122
Alaska $954
Arizona $1,032
Arkansas $1,244
California $1,418
Colorado $1,186
Connecticut $1,276
Delaware $1,406
Florida $1,554
Georgia $1,150
Hawaii $894
Idaho $844
Illinois $926
Indiana $938
Iowa $838
Kansas $1,180
Kentucky $1,696
Louisiana $1,840
Maine $768
Maryland $1,026
Massachusetts $992
Michigan $2,160
Minnesota $1,042
Mississippi $1,490
Missouri $1,104
Montana $1,336
Nebraska $978
Nevada $1,492
New Hampshire $898
New Jersey $1,390
New Mexico $1,100
New York $1,310
North Carolina $718
North Dakota $1,020
Ohio $858
Oklahoma $1,274
Oregon $1,140
Pennsylvania $1,184
Rhode Island $1,658
South Carolina $1,130
South Dakota $1,052
Tennessee $1,090
Texas $1,498
Utah $920
Vermont $850
Virginia $744
Washington $958
West Virginia $1,140
Wisconsin $860
Wyoming $1,108

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