Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $3,072 or more. Teens receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance prices.

These examples highlight why everyone should compare rates using their specific location and risk profile, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay $202 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,412
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an extra $394 every year
• Higher-risk drivers with serious driving violations could pay around $3,072 or more
• The cost for full coverage for a teen driver for full coverage can cost $5,212 a year

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on your driver profile, the model of your S4, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Audi S4 insurance for high-risk drivers can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Every company calculates rates differently, so the rates can be significantly different from one company to the next.

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 Find More Affordable Audi S4 Insurance

Saving money on car insurance not only requires having a decent driving record, but also maintaining good credit, not filing small claims, and maximizing policy discounts. Invest time comparing rates once a year by requesting quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The following items are a summary of the data that was covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Policyholders who purchase additional liability coverage will pay approximately $430 per year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers are expensive to insure, as much as $434 per month for full coverage
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,660 more per year than a driver with a clean driving record