Audi S4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 20, 2024

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

Average premium for full coverage: $1,510

Rate estimates by individual coverage type:

Comprehensive $326
Collision $672
Liability $376

Prices include $500 deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and S4 models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $426 for your basic liability-only policy to a high rate of $3,294 for a driver that may need high-risk insurance.

Liability Only $426
Full Coverage $1,510
High Risk $3,294

Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

These examples demonstrate why all drivers should compare prices based on a specific location, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below details average Audi S4 insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $843
  • Using higher $1,000 deductibles will save around $226 annually
  • The estimated price for a 40-year-old driver with $500 deductibles is $1,510
  • Choosing low deductibles for physical damage coverage bumps up the cost to $1,952
  • High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,294
  • The cost that insures a 16-year-old driver may cost $5,532 or more

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing Audi S4 insurance rates range from $843 to $5,532 for full coverage

Insurance rates for an Audi S4 can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,800 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers can be from 45% to 133% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,500 a year. View Rates by Age

Where you live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or as much as $2,040 on average in Florida, Michigan, and New York.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,364 -$146 -9.7%
Alaska $1,158 -$352 -23.3%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,440 -$70 -4.6%
Connecticut $1,548 $38 2.5%
Delaware $1,706 $196 13.0%
Florida $1,884 $374 24.8%
Georgia $1,394 -$116 -7.7%
Hawaii $1,084 -$426 -28.2%
Idaho $1,022 -$488 -32.3%
Illinois $1,122 -$388 -25.7%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,434 -$76 -5.0%
Kentucky $2,056 $546 36.2%
Louisiana $2,232 $722 47.8%
Maine $930 -$580 -38.4%
Maryland $1,244 -$266 -17.6%
Massachusetts $1,204 -$306 -20.3%
Michigan $2,622 $1,112 73.6%
Minnesota $1,262 -$248 -16.4%
Mississippi $1,806 $296 19.6%
Missouri $1,338 -$172 -11.4%
Montana $1,620 $110 7.3%
Nebraska $1,188 -$322 -21.3%
Nevada $1,808 $298 19.7%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,686 $176 11.7%
New Mexico $1,336 -$174 -11.5%
New York $1,588 $78 5.2%
North Carolina $868 -$642 -42.5%
North Dakota $1,236 -$274 -18.1%
Ohio $1,040 -$470 -31.1%
Oklahoma $1,548 $38 2.5%
Oregon $1,382 -$128 -8.5%
Pennsylvania $1,436 -$74 -4.9%
Rhode Island $2,012 $502 33.2%
South Carolina $1,366 -$144 -9.5%
South Dakota $1,272 -$238 -15.8%
Tennessee $1,320 -$190 -12.6%
Texas $1,818 $308 20.4%
Utah $1,116 -$394 -26.1%
Vermont $1,030 -$480 -31.8%
Virginia $904 -$606 -40.1%
Washington $1,164 -$346 -22.9%
West Virginia $1,382 -$128 -8.5%
Wisconsin $1,044 -$466 -30.9%
Wyoming $1,342 -$168 -11.1%

View Chart as Image

Audi S4 insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $670 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $339 more per year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,472 $123
Audi S4 Quattro 4-Dr Sedan $1,472 $123
Audi S4 Quattro 4-Dr Sedan $1,510 $126
Audi S4 Quattro 4-Dr Sedan $1,510 $126

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.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S4 $404 $780 $316 $1,636
2023 Audi S4 $384 $750 $332 $1,602
2022 Audi S4 $370 $744 $338 $1,588
2021 Audi S4 $356 $726 $354 $1,572
2020 Audi S4 $344 $696 $364 $1,540
2019 Audi S4 $326 $672 $376 $1,510
2018 Audi S4 $312 $624 $384 $1,456
2016 Audi S4 $288 $526 $390 $1,340
2014 Audi S4 $260 $454 $394 $1,244
2010 Audi S4 $212 $326 $402 $1,076
2009 Audi S4 $200 $296 $402 $1,034
2007 Audi S4 $190 $260 $390 $976
2006 Audi S4 $188 $248 $384 $956
2004 Audi S4 $166 $224 $376 $902

Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Right Audi S4 Insurance

Saving money on insurance for an Audi S4 requires not taking risks behind the wheel, having above-average credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Shop around once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following is a quick rundown of the data that was covered above.

  • You may be able to save as much as $190 per year just by quoting online in advance
  • Insureds who require higher liability limits will pay about $410 every year to increase from a minimum limit to the 250/500 level
  • Teens pay the highest rates, with premiums as much as $461 per month if full coverage is included
  • Drivers considered higher risk with reckless driving or DUI convictions pay on average $1,780 more each year for S4 insurance

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,532
20 $3,514
30 $1,586
40 $1,510
50 $1,378
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,952
$250 $1,746
$500 $1,510
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,585
100/300 $1,679
250/500 $1,924
100 CSL $1,623
300 CSL $1,830
500 CSL $1,980

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,942
20 $5,604
30 $3,380
40 $3,294
50 $3,142
60 $3,116

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $80
Homeowner $21
5-yr Accident Free $120
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $110
Total Discounts $667
Rate after discounts $843

Discounts are estimated and may not be available from every company or in every state.

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