Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive costs approximately $300, collision costs $588, and liability coverage costs $388. Liability-only insurance costs as little as $434 a year, with high-risk driver insurance costing around $3,072. Teen drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than larger metro areas.

The example below illustrates how location helps determine auto insurance prices.

These rate differences show why everyone should compare rates using their specific location and risk profile, rather than using price averages.

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

Rates by State, City, and Model

The chart below shows estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Drivers who choose higher $1,000 deductibles will pay $202 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Choosing pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,806
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,072 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost $5,212 a year

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

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

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Choosing high deductibles could save up to $600 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 additional annually, depending on your age. Audi S4 insurance for high-risk drivers can cost around 44% to 134% more than average. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different rate calculation, and prices will be substantially different from one company to the next.

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 the Best Audi S4 Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having a good credit history, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates every year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a brief recap of the coverage data covered in the charts and tables above.

• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $600 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $434 per month including comprehensive and collision insurance
• Drivers who tend to receive serious violations may pay on average $1,660 more per year than a driver with a clean driving record