Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs approximately $300 a year, collision costs $588, and liability coverage costs $388. A policy with just liability insurance costs as little as $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teen drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects auto insurance prices.

These examples demonstrate why it is important to 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.

More Rate Information

The chart below details 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 $1,210 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,412
• Choosing low $100 deductibles for comprehensive and collision insurance will cost an extra $394 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,072 or more
• The cost for full coverage for a teenage driver can cost $5,212 a 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 physical damage deductibles and liability limits.

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

Where you live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could save up to $600 a year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 additional per year, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes and see how they stack up. Every company uses a different rate calculation, and 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 the Best Cheap Audi S4 Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Set aside time to shop around every time your policy renews by getting quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a quick review of the information raised in the charts and tables above.

• You may be able to save around $170 per year simply by quoting early and online
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $434 per month including comprehensive and collision insurance
• Increasing deductibles can save around $600 each year
• Drivers with a DUI or reckless driving violation pay on average $1,660 more per year to insure an Audi S4
• Consumers who purchase increased liability limits will pay about $430 every year to go from a minimum limit to 250/500 limits