Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance rates.

These rate differences highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $1,210 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,412
• Using low $100 deductibles for physical damage coverage costs an additional $394 annually
• High-risk insureds who are prone to accidents and violations could pay at least $3,072 or more
• An auto insurance policy with full coverage for a 16-year-old driver can be $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $600 annually, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out your exact price is to get quotes from multiple companies. Each insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy Low Cost Audi S4 Insurance

Finding better rates on insurance for an Audi S4 requires having a good driving record, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a review of the information presented in the illustrations above.

• You may be able to save up to $170 per year simply by quoting early and online
• Drivers age 20 and younger pay higher prices, with the cost nearing $434 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $600 each year
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,660 more every year to buy Audi S4 insurance
• Insureds who may need increased levels of liability coverage will pay an extra $430 per year to increase from 30/60 bodily injury limits to higher 250/500 limits