Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive insurance costs an estimated $300 a year, collision insurance costs $588, and liability costs $388. Liability-only coverage costs as little as $434 a year, and high-risk coverage costs $3,072 or more. Teenage drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. More rural locations are shown to have more infrequent collision claims than densely populated cities. The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below details average Audi S4 insurance rates for other coverage scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $1,210 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,412
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $394 annually
• Drivers who are prone to accidents and violations could pay up to $3,072
• Policy cost to insure a 16-year-old driver can cost as much as $5,212 a year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your driving record, and the model year and trim level.

Using high physical damage deductibles could save up to $600 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Cheaper Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and possibly raising deductibles. Invest the time to shop around every other policy renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a condensed summary of the ideas that were illustrated above.

• Teenagers are expensive to insure, as much as $434 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents may pay on average $1,660 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• You may be able to save approximately $170 per year just by quoting early and online