Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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Estimated insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive insurance costs on average $312, collision costs $624, and liability coverage costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing $3,174 or more. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Comprehensive $312
Collision $624
Liability $384

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for an Audi S4 go from the low end price of $432 for just liability insurance to a much higher rate of $3,174 for a driver required to buy high-risk insurance.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using average rates.

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.

More Rate Details

The chart below illustrates estimated Audi S4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $816
  • Using higher $1,000 deductibles will save around $212 each year
  • The estimated price for a 40-year-old good driver with $500 deductibles is $1,456
  • Using more expensive low deductibles for physical damage coverage will cost an additional $414 each year
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,174 or more
  • An auto insurance policy that insures a teenage driver with full coverage may cost $5,356 or more

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance prices range from $816 to $5,356

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

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can be around 45% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,960 on average in Michigan, New York, and Florida.

Audi S4 Insurance Rates by State
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%

View Chart as Image

Audi S4 insurance rates by U.S. city

Using high physical damage deductibles could cut prices by as much as $630 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
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.

Audi S4 Insurance Rates by Model Year
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 Audi S4 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and bundling your home and auto policies. Compare prices at every policy renewal by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief recap of the data covered above.

  • Consumers who require increased liability limits will pay an extra $420 annually to increase from 30/60 bodily injury limits to the 250/500 level
  • It is possible to save as much as $180 per year simply by shopping early and online
  • Increasing policy deductibles can save approximately $625 each year
  • Drivers under the age of 20 pay the highest prices, with premiums being up to $446 per month if full coverage is included

Rates by Driver Age

Audi S4 Insurance 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

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
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

Audi S4 Insurance 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.

SR-22 Surcharge $210

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
Rate after discounts $816

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

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