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: Jun 6, 2023

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Estimated insurance prices for an Audi S4 are $1,510 every 12 months with full coverage. Comprehensive insurance costs on average $326 a year, collision insurance costs $672, and liability costs $376. A liability-only policy costs as little as $426 a year, and high-risk insurance 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

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

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi S4 range from the cheapest price of $426 for just liability coverage to a high of $3,294 for a driver required to buy high-risk insurance.

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

Insurance Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas are statistically proven to have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects car insurance rates.

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

These rate differences demonstrate why it is important to compare rates based on a specific location and their own driving history, 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.

Detailed Rate Analysis

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

  • The best full coverage rate is $843
  • Drivers who choose higher $1,000 deductibles will pay around $1,284 annually
  • The average price for a 40-year-old good driver with $500 deductibles is $1,510
  • Buying low $100 deductibles for comprehensive and collision insurance costs an extra $442 annually
  • Drivers with multiple tickets or accidents could pay upwards of $3,294
  • An auto insurance policy to insure a 16-year-old driver may cost $5,532 a year

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

Auto insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level of your S4.

Opting for high physical damage deductibles could save up to $670 annually, while buying higher liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $339 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay upwards of $5,500 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 45% to 133% more than the average rate. View High Risk Driver Rates

Where you choose to live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,090 a year in states like New Hampshire, Ohio, and Utah, or at least $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

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 Shop for the Best Cheap Audi S4 Insurance

Finding better rates on insurance for an Audi S4 not only requires avoiding accidents and claims, but also having a good credit score, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around at every policy renewal by quoting rates from direct companies, and also from local exclusive and independent agents.

The points below are a quick review of the data raised in the charts and tables above.

  • Insureds who require increased liability limits will pay around $410 every year to go from 30/60 bodily injury limits to a 250/500 level
  • You may be able to save as much as $190 per year just by quoting early and online
  • Increasing policy deductibles could save as much as $675 each year
  • Drivers under the age of 20 are charged the highest prices, possibly costing $461 per month if comprehensive and collision insurance is included

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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