Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates by type of insurance:

These estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $795
• Raising to $1,000 deductibles will save around $1,210 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,412
• Using low $100 deductibles will cost an additional $394 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• Policy cost that insures a 16-year-old driver may cost $5,212

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level of your S4, your driving record and age, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 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 $1,080 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.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied.

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 Cheap Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 consists of being a good driver, having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare prices every couple of years by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief summary of the material that was presented in the illustrations above.

• Insureds who require an increased level of liability coverage will pay an extra $430 per year to raise from a 30/60 limit to the 250/500 level
• Drivers age 16 to 20 pay higher rates, with premiums being up to $434 each month if comprehensive and collision insurance is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,660 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $600 each year