Audi S4 Insurance Rates

Average insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive insurance costs on average $300, collision costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers 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:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on car insurance rates.

These examples demonstrate why everyone should get quotes based on a specific location 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.

Detailed Rate Analysis

The chart below details estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save around $202 annually
• The average price for a 40-year-old driver with $500 deductibles is $1,412
• Using pricier low deductibles for comp and collision coverage costs an extra $394 annually
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• The cost to insure a 16-year-old driver for full coverage may cost $5,212 each year

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Auto insurance rates for an Audi S4 can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your S4.

Using high physical damage deductibles can save as much as $600 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,300 in extra premium per year, depending on your age. Audi S4 insurance for high-risk drivers ranges from 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

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With so much variability in rates, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.

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 More Affordable Audi S4 Insurance

Saving money on insurance for an Audi S4 takes avoiding accidents and claims, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a summary of the data that was covered above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Insureds who require increased liability limits will pay an extra $430 every year to raise limits from a minimum limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, with premiums as much as $434 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,660 more each year to insure an Audi S4