Audi S4 Insurance Rates

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

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how your location can change car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than relying on average rates.

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

Additional Rate Information

The chart below illustrates estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $816
• Choosing higher $1,000 deductibles can save around $212 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,456
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,870
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,174 or more
• Policy cost for full coverage for a teen driver with full coverage may cost $5,356 each year

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,960 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $630 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. 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 at a minimum $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes 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 the Cheapest Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance takes being a good driver, having above-average credit, being claim-free, and maximizing policy discounts. Invest the time to shop around at least once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the primary concepts that were illustrated above.

• It is possible to save as much as $180 per year simply by shopping early and online
• High-risk drivers that have major violations or accidents pay an average of $1,720 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $625 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $446 each month if full coverage is included