Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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Estimated insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive insurance costs on average $312, collision insurance costs $624, and liability coverage is $384. Liability-only insurance costs around $432 a year, and high-risk driver insurance costs $3,174 or more. Teenage drivers pay the most at up to $5,356 a year.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Comprehensive $312
Collision $624
Liability $384

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all S4 models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for an Audi S4 range from as low as $432 for the bare minimum liability coverage to the much higher price of $3,174 for coverage for higher-risk drivers.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how location impacts car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These rate differences highlight why everyone should compare rates quotes based on a specific location and risk profile, rather than using 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 average Audi S4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $816
  • Raising to $1,000 deductibles will save around $212 every year
  • The average rate for a 40-year-old good driver with $500 deductibles is $1,456
  • Using pricier low deductibles will cost an extra $414 each year
  • Unlucky drivers who are prone to accidents and violations could pay upwards of $3,174
  • An auto insurance policy for full coverage for a teenage driver for full coverage may cost $5,356

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing Audi S4 insurance prices range from $816 to $5,356 for full coverage

Insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the model of your S4, and policy deductibles and limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices as low as $1,120 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,080 on average in Michigan, New York, and Louisiana.

Audi S4 Insurance Rates by State
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%

View Chart as Image

Audi S4 insurance rates by U.S. city

Using high physical damage deductibles can reduce prices by up to $630 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $345 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,400 additional annually, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

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 $1,420 $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.

Audi S4 Insurance Rates by Model Year
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 the Best Cheap Audi S4 Insurance

Finding better rates on auto insurance consists of being a good driver, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Spend time shopping around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following list is a quick review of the primary concepts that were touched on above.

  • You may be able to save as much as $180 per year just by quoting online well ahead of the renewal date
  • Drivers with a DUI or reckless driving violation may pay on average $1,720 more each year than a safer driver
  • Increasing policy deductibles can save around $625 each year
  • Drivers age 16 to 20 pay higher prices, with the cost nearing $446 per month including comprehensive and collision insurance

Rates by Driver Age

Audi S4 Insurance 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

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
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

Audi S4 Insurance 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.

SR-22 Surcharge $210

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
Rate after discounts $816

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

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