Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive insurance costs approximately $312 each year, collision insurance costs $624, and liability is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs $3,174 or more. Teens cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates quotes using their specific location, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $816
• Raising to $1,000 deductibles will save $212 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,456
• Selecting low deductibles will cost an additional $414 every year
• At-risk drivers with serious driving violations could pay around $3,174
• Policy cost that insures a teen driver can cost $5,356

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,400 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 45% to 130% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $630 every year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

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 cheaper rates on car insurance consists of having a decent driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare rates at least every other year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following items are a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations will likely pay on average $1,720 more per year than a driver with a clean driving record
• You may be able to save around $180 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $625 each year
• Policyholders who purchase additional liability coverage will pay approximately $420 per year to raise from a 30/60 limit to the 250/500 level