Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs around $300, collision insurance costs $588, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, and high-risk insurance costs $3,072 or more. 16-year-old drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on rate averages.

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

More Rate Information

The chart below breaks down average Audi S4 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save about $202 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,412
• Buying more expensive low deductibles for comp and collision coverage will cost an additional $394 annually
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,072
• Policy cost that insures a 16-year-old driver with full coverage can be $5,212 each year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by 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 More Affordable Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes avoiding accidents and violations, having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Comparison shop every time your policy renews by requesting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a summary of the information touched on in the above illustrations.

• You may be able to save up to $170 per year just by shopping early and online
• Teenagers are the costliest to insure, with premiums being up to $434 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers considered higher risk who have multiple accidents or major violations may have to pay on average $1,660 more every year for car insurance
• Insureds who may need higher liability limits will pay around $430 per year to raise limits from a 30/60 limit to the 250/500 level