Audi S4 Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Dec 7, 2019

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Average insurance rates for an Audi S4 are $1,540 a year for full coverage. Comprehensive costs on average $344 a year, collision costs $696, and liability insurance costs $364. A liability-only policy costs as little as $416 a year, with high-risk insurance costing around $3,358. Teen drivers receive the highest rates at $5,600 a year or more.

Average premium for full coverage: $1,540

Rate estimates by individual coverage type:

Comprehensive $344
Collision $696
Liability $364

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

For a middle-aged driver, prices range go from as low as $416 for only liability insurance to a high of $3,358 for a high risk driver.

Liability Only $416
Full Coverage $1,540
High Risk $3,358

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.

Rural Areas $1,155
Small Cities $1,617
Large Cities $2,079

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.

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

Insurance Rate Analysis

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

  • The lowest rate with discounts is $859
  • Drivers who choose higher $1,000 deductibles will pay around $1,306 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,540
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,002
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,358 or more
  • The cost for full coverage for a teen driver may cost $5,600 a year

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance rates range from $859 to $5,600

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 $5,600 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 $1,020 a year in states like Idaho, Maine, and Iowa, or as much as $2,200 on average in Michigan, Louisiana, and New York.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,394 -$146 -9.5%
Alaska $1,182 -$358 -23.2%
Arizona $1,278 -$262 -17.0%
Arkansas $1,540 -$0 0.0%
California $1,756 $216 14.0%
Colorado $1,468 -$72 -4.7%
Connecticut $1,582 $42 2.7%
Delaware $1,742 $202 13.1%
Florida $1,924 $384 24.9%
Georgia $1,426 -$114 -7.4%
Hawaii $1,108 -$432 -28.1%
Idaho $1,046 -$494 -32.1%
Illinois $1,146 -$394 -25.6%
Indiana $1,162 -$378 -24.5%
Iowa $1,038 -$502 -32.6%
Kansas $1,462 -$78 -5.1%
Kentucky $2,102 $562 36.5%
Louisiana $2,280 $740 48.1%
Maine $952 -$588 -38.2%
Maryland $1,272 -$268 -17.4%
Massachusetts $1,230 -$310 -20.1%
Michigan $2,676 $1,136 73.8%
Minnesota $1,290 -$250 -16.2%
Mississippi $1,846 $306 19.9%
Missouri $1,368 -$172 -11.2%
Montana $1,654 $114 7.4%
Nebraska $1,214 -$326 -21.2%
Nevada $1,846 $306 19.9%
New Hampshire $1,110 -$430 -27.9%
New Jersey $1,722 $182 11.8%
New Mexico $1,362 -$178 -11.6%
New York $1,620 $80 5.2%
North Carolina $886 -$654 -42.5%
North Dakota $1,262 -$278 -18.1%
Ohio $1,062 -$478 -31.0%
Oklahoma $1,580 $40 2.6%
Oregon $1,412 -$128 -8.3%
Pennsylvania $1,468 -$72 -4.7%
Rhode Island $2,054 $514 33.4%
South Carolina $1,396 -$144 -9.4%
South Dakota $1,300 -$240 -15.6%
Tennessee $1,350 -$190 -12.3%
Texas $1,856 $316 20.5%
Utah $1,140 -$400 -26.0%
Vermont $1,054 -$486 -31.6%
Virginia $922 -$618 -40.1%
Washington $1,190 -$350 -22.7%
West Virginia $1,412 -$128 -8.3%
Wisconsin $1,064 -$476 -30.9%
Wyoming $1,370 -$170 -11.0%

View Chart as Image

Audi S4 insurance rates by U.S. city

Choosing high deductibles could save up to $700 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 $327 . 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 130% 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

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,500 $125
Audi S4 Quattro 4-Dr Sedan $1,500 $125
Audi S4 Quattro 4-Dr Sedan $1,540 $128
Audi S4 Quattro 4-Dr Sedan $1,540 $128

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 $344 $696 $364 $1,540
2014 Audi S4 $288 $526 $390 $1,340
2010 Audi S4 $234 $394 $402 $1,166
2009 Audi S4 $228 $358 $406 $1,128
2007 Audi S4 $200 $296 $402 $1,034
2006 Audi S4 $194 $266 $398 $994
2004 Audi S4 $188 $248 $384 $956

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 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 $700 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 $400 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $467 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,820 more each year for insurance

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,600
20 $3,580
30 $1,620
40 $1,540
50 $1,408
60 $1,384

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,002
$250 $1,788
$500 $1,540
$1,000 $1,306

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,540
50/100 $1,613
100/300 $1,704
250/500 $1,940
100 CSL $1,649
300 CSL $1,849
500 CSL $1,995

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $8,050
20 $5,706
30 $3,448
40 $3,358
50 $3,200
60 $3,174

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 $222

Potential Rate Discounts

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

Discount Savings
Multi-policy $84
Multi-vehicle $81
Homeowner $21
5-yr Accident Free $123
5-yr Claim Free $102
Paid in Full/EFT $77
Advance Quote $81
Online Quote $112
Total Discounts $681
Rate after discounts $859

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

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