Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

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

These examples illustrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save $1,210 each year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,412
• Using low $100 deductibles for physical damage coverage will cost an extra $394 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,072 or more
• The cost for full coverage for a 16-year-old driver can cost $5,212 or more

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $1,300 a year 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 has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 annually, while buying higher liability limits will push rates upward. Switching 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 probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each insurance company uses a different method to calculate rates, 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 the Right Audi S4 Insurance

Saving money on insurance for an Audi S4 requires having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least every other year by requesting rates from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

The following items are a quick rundown of the car insurance concepts covered in the charts and tables above.

• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,660 more per year than a driver with a clean driving record
• It is possible to save around $170 per year simply by quoting early and online
• Increasing deductibles can save around $600 each year
• Insureds who purchase additional liability coverage will pay an extra $430 annually to increase from a minimum limit to 250/500 limits