Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,510 a year for full coverage. Comprehensive costs on average $326 a year, collision costs $672, and liability insurance costs $376. A liability-only policy costs as little as $426 a year, with high-risk insurance costing around $3,294. Teen drivers receive the highest rates at $5,532 a year or more.

Average premium for full coverage: $1,510

Rate estimates by individual coverage type:

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Insurance Rate Analysis

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

• The lowest rate with discounts is $843
• Drivers who choose higher $1,000 deductibles will pay around $1,284 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,510
• Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,952
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,294 or more
• The cost for full coverage for a teen driver may cost $5,532 a year

View Chart as Image

for an Audi S4 can also vary considerably based on your driver profile, the trim level of your S4, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,500 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 $990 a year in states like Idaho, Maine, and Iowa, or as much as $2,150 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $670 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,800 to $2,500 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 45% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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

Saving money on Audi S4 insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

• Increasing deductibles can save around $675 each year
• Drivers can save as much as $190 per year simply by quoting early and online
• Drivers who require more liability insurance will pay about $410 each year to go from a minimum limit to 250/500 limits
• Young drivers pay the highest rates, costing as high as $461 per month for full coverage
• High-risk drivers that have multiple accidents or serious violations will pay on average $1,780 more each year for insurance