Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive insurance costs an estimated $312, collision costs $624, and liability is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing $3,174 or more. Teenage drivers receive the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Rate estimates broken down by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. More rural locations tend to have a lower frequency of collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $816
• Choosing higher $1,000 deductibles can save approximately $212 annually
• The average rate for a 40-year-old driver who has $500 deductibles is $1,456
• Using more expensive low deductibles for comp and collision coverage will cost an extra $414 annually
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,174 or more
• The cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,356 each year

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

An older driver with a clean driving record and high deductibles may pay as low as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay at least $5,300 a year. View Rates by Age

Where you 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 be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $630 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $345 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,700 to $2,400 extra per year, depending on your age. High-risk driver insurance ranges from 45% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, so the rates can be significantly 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 Cheap Audi S4 Insurance

Saving money on insurance for an Audi S4 takes having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates every year by getting quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

The following items are a brief summary of the coverage data covered in the above illustrations.

• You may be able to save approximately $180 per year simply by shopping early and online
• Increasing deductibles can save around $625 each year
• 16 to 18-year-old drivers are charged the highest rates, with premiums as much as $446 per month for full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,720 more annually than a driver with a clean driving record