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: 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:

Comprehensive $312
Collision $624
Liability $384

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.

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

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.

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

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

View Chart as Image

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

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.

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 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

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 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

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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