Audi S4 Insurance Rates
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UPDATED: May 20, 2024
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Average insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive costs an estimated $312, collision costs $624, and liability insurance costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing around $3,174. Teenage drivers receive the highest rates at $5,356 a year or more.
Average premium for full coverage: $1,456
Rate estimates broken down by individual coverage type:
Price estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all S4 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the low end price of $432 for the bare minimum liability coverage to the much higher price of $3,174 for a high-risk insurance policy.
Price Range by Location
Where you live has a significant impact on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why everyone should compare prices for a targeted area, rather than relying on average rates.
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.
Additional Rate Information
The chart below breaks down estimated Audi S4 insurance rates for other coverage scenarios.
- The best discount rate is $816
- Using higher $1,000 deductibles will save approximately $212 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,456
- Using pricier low deductibles for physical damage coverage bumps up the cost to $1,870
- Drivers who are prone to accidents and violations could pay up to $3,174 or more
- The cost that insures a teen driver for full coverage can cost as much as $5,356 or more
Car insurance rates for an Audi S4 can also vary considerably based on the model of your S4, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,400 extra per year, depending on your age. Audi S4 insurance for high-risk drivers can be anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged at least $5,300 a year. View Rates by Age
Where you live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,314 | -$142 | -9.8% |
Alaska | $1,116 | -$340 | -23.4% |
Arizona | $1,208 | -$248 | -17.0% |
Arkansas | $1,456 | -$0 | 0.0% |
California | $1,658 | $202 | 13.9% |
Colorado | $1,388 | -$68 | -4.7% |
Connecticut | $1,494 | $38 | 2.6% |
Delaware | $1,646 | $190 | 13.0% |
Florida | $1,820 | $364 | 25.0% |
Georgia | $1,346 | -$110 | -7.6% |
Hawaii | $1,046 | -$410 | -28.2% |
Idaho | $986 | -$470 | -32.3% |
Illinois | $1,084 | -$372 | -25.5% |
Indiana | $1,098 | -$358 | -24.6% |
Iowa | $984 | -$472 | -32.4% |
Kansas | $1,382 | -$74 | -5.1% |
Kentucky | $1,984 | $528 | 36.3% |
Louisiana | $2,156 | $700 | 48.1% |
Maine | $898 | -$558 | -38.3% |
Maryland | $1,200 | -$256 | -17.6% |
Massachusetts | $1,160 | -$296 | -20.3% |
Michigan | $2,526 | $1,070 | 73.5% |
Minnesota | $1,220 | -$236 | -16.2% |
Mississippi | $1,742 | $286 | 19.6% |
Missouri | $1,292 | -$164 | -11.3% |
Montana | $1,562 | $106 | 7.3% |
Nebraska | $1,146 | -$310 | -21.3% |
Nevada | $1,746 | $290 | 19.9% |
New Hampshire | $1,050 | -$406 | -27.9% |
New Jersey | $1,626 | $170 | 11.7% |
New Mexico | $1,288 | -$168 | -11.5% |
New York | $1,532 | $76 | 5.2% |
North Carolina | $836 | -$620 | -42.6% |
North Dakota | $1,192 | -$264 | -18.1% |
Ohio | $1,002 | -$454 | -31.2% |
Oklahoma | $1,494 | $38 | 2.6% |
Oregon | $1,334 | -$122 | -8.4% |
Pennsylvania | $1,386 | -$70 | -4.8% |
Rhode Island | $1,942 | $486 | 33.4% |
South Carolina | $1,320 | -$136 | -9.3% |
South Dakota | $1,228 | -$228 | -15.7% |
Tennessee | $1,274 | -$182 | -12.5% |
Texas | $1,754 | $298 | 20.5% |
Utah | $1,078 | -$378 | -26.0% |
Vermont | $994 | -$462 | -31.7% |
Virginia | $872 | -$584 | -40.1% |
Washington | $1,124 | -$332 | -22.8% |
West Virginia | $1,334 | -$122 | -8.4% |
Wisconsin | $1,006 | -$450 | -30.9% |
Wyoming | $1,296 | -$160 | -11.0% |
Using high physical damage deductibles could cut rates by as much as $630 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Audi S4 | $384 | $750 | $332 | $1,602 |
2023 Audi S4 | $370 | $744 | $338 | $1,588 |
2022 Audi S4 | $356 | $726 | $354 | $1,572 |
2021 Audi S4 | $344 | $696 | $364 | $1,540 |
2020 Audi S4 | $326 | $672 | $376 | $1,510 |
2019 Audi S4 | $312 | $624 | $384 | $1,456 |
2018 Audi S4 | $300 | $588 | $388 | $1,412 |
2016 Audi S4 | $270 | $484 | $390 | $1,280 |
2014 Audi S4 | $254 | $424 | $402 | $1,216 |
2010 Audi S4 | $200 | $296 | $402 | $1,034 |
2009 Audi S4 | $194 | $266 | $398 | $994 |
2007 Audi S4 | $188 | $248 | $384 | $956 |
2006 Audi S4 | $172 | $236 | $380 | $924 |
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 Cheaper Audi S4 Insurance
Saving money on Audi S4 insurance requires being a safe and courteous driver, having a positive credit history, not filing small claims, and not having any coverage lapses. Compare prices at least every other year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
Below is a condensed summary of the car insurance concepts covered above.
- High-risk drivers with multiple at-fault accidents could be charged and average of $1,720 more annually for auto insurance
- You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $625 each year
- Drivers who want higher levels of liability will pay an extra $420 per year to increase from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,356 |
20 | $3,382 |
30 | $1,526 |
40 | $1,456 |
50 | $1,330 |
60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,870 |
$250 | $1,678 |
$500 | $1,456 |
$1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,456 |
50/100 | $1,533 |
100/300 | $1,629 |
250/500 | $1,878 |
100 CSL | $1,571 |
300 CSL | $1,782 |
500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,686 |
20 | $5,390 |
30 | $3,252 |
40 | $3,174 |
50 | $3,024 |
60 | $3,000 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $78 |
Homeowner | $21 |
5-yr Accident Free | $114 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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