Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,456 every 12 months with full coverage. Comprehensive insurance costs an estimated $312 a year, collision costs $624, and liability is estimated at $384. Liability-only coverage costs approximately $432 a year, with high-risk coverage costing $3,174 or more. 16-year-old drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than congested cities.

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

These rate differences demonstrate why it is important to get quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Detailed Rate Analysis

The chart below details estimated Audi S4 insurance rates for other coverage scenarios.

• The best full coverage rate is $816
• Choosing higher $1,000 deductibles can save approximately $1,244 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,456
• Buying low $100 deductibles for comp and collision coverage costs an extra $414 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,174 or more
• An auto insurance policy to insure a 16-year-old driver can cost as much as $5,356 each year

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

Opting for high physical damage deductibles can save as much as $630 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges from 45% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or at least $1,960 on average in New York, Michigan, and Florida.

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With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

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 Shop for the Best Audi S4 Insurance

Finding better rates on insurance for an Audi S4 takes avoiding accidents and claims, having good credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by quoting rates from direct companies, and also from your local independent and exclusive agents.

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

• You may be able to save approximately $180 per year simply by quoting early and online
• Drivers under the age of 20 are charged the highest prices, possibly costing $446 per month if they have full coverage
• Increasing policy deductibles could save as much as $625 each year
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,720 more annually to insure an Audi S4
• Insureds who want increased liability limits will pay around $420 every year to raise limits from 30/60 bodily injury limits to a 250/500 level