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: Dec 7, 2019

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Estimated auto insurance rates for an Audi S4 are $1,510 annually for full coverage. Comprehensive insurance costs approximately $326, collision insurance costs $672, and liability is $376. A policy with only liability insurance costs around $426 a year, and a high-risk policy costs $3,294 or more. 16-year-old drivers pay the most at up to $5,532 a year.

Average premium for full coverage: $1,510

Premium estimates by type of coverage:

Comprehensive $326
Collision $672
Liability $376

Estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for an Audi S4 range from as cheap as $426 for your basic liability-only policy to a much higher rate of $3,294 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have fewer accident claims than congested cities. The price range example below illustrates how where you live affects auto insurance prices.

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

These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on rate 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 shows average Audi S4 insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $843
  • Raising to $1,000 deductibles will save $226 a year
  • The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,510
  • Buying more expensive low deductibles costs an additional $442 annually
  • Drivers with multiple tickets or accidents could pay around $3,294
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage can cost $5,532

View Chart as Image

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

Car insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driver profile, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,800 to $2,500 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 133% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $670 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Audi S4 insurance prices. A middle-age driver might find prices as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,150 on average in New York, Louisiana, and Michigan.

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

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 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.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Audi S4 $326 $672 $376 $1,510
2014 Audi S4 $270 $484 $390 $1,280
2010 Audi S4 $228 $358 $406 $1,128
2009 Audi S4 $212 $326 $402 $1,076
2007 Audi S4 $194 $266 $398 $994
2006 Audi S4 $190 $260 $390 $976
2004 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 Buy Low Cost Audi S4 Insurance

Finding better rates on insurance for an Audi S4 consists of being safe and accident-free, having a good credit score, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop once a year by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a review of the data that was touched on in the above illustrations.

  • Drivers can save around $190 per year just by shopping early and online
  • Insureds who purchase more liability protection will pay around $410 each year to raise from 30/60 bodily injury limits to higher 250/500 limits
  • Youthful drivers pay the highest auto insurance prices, as much as $461 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk who have several accidents or serious violations pay on average $1,780 more per year than a low-risk driver

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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