Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Price estimates include $500 deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than congested cities.

The example below illustrates how your location can change insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and risk profile, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save approximately $202 each year
• The average rate for a good driver age 40 who has $500 deductibles is $1,412
• Buying pricier low deductibles for comp and collision coverage will cost an extra $394 annually
• Higher-risk drivers with multiple tickets or accidents could pay up to $3,072 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,212 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $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 $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 annually, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,700 to $2,300 additional every year, depending on your age. Audi S4 insurance for high-risk drivers ranges from 44% to 134% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and rates will be varied 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 Cheaper Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes not taking risks behind the wheel, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a condensed summary of the material that was illustrated above.

• Insureds who want higher liability limits will pay around $430 annually to raise limits from a 30/60 limit to 250/500 limits
• Teens are expensive to insure, possibly costing $434 each month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents pay on average $1,660 more annually for S4 insurance
• Increasing comprehensive and collision deductibles can save around $600 each year