Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs on average $300, collision insurance costs $588, and liability insurance costs around $388. A policy with only liability insurance costs as low as $434 a year, and a high-risk policy costs around $3,072. Teenage drivers pay the most at up to $5,212 a year.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than densely populated cities. The price range example below illustrates the effect of geographic area on car insurance rates.

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

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

Additional Charts and Tables

The chart below details average Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Using higher $1,000 deductibles will save around $202 annually
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,412
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,806
• Drivers who are prone to accidents and violations could pay upwards of $3,072
• An auto insurance policy that insures a teen driver with full coverage may cost $5,212 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,200 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 $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every 12 months. 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 better rates on Audi S4 insurance requires having a good driving record, having a positive credit history, being claim-free, and possibly raising deductibles. Compare prices every couple of years by obtaining price quotes from direct companies, and also from several local insurance agents.

The next list is a review of the material that was covered in the above illustrations.

• Drivers who require increased levels of liability coverage will pay an extra $430 every year to increase from 30/60 bodily injury limits to the 250/500 level
• Drivers age 20 and younger are expensive to insure, possibly costing $434 per month if full coverage is purchased
• High-risk drivers who have several accidents or serious violations pay on average $1,660 more each year to buy Audi S4 insurance
• Increasing policy deductibles can save approximately $600 each year