Audi S4 Insurance Rates
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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:
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.
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.
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
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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,952 |
| $250 | $1,746 |
| $500 | $1,510 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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