Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs an estimated $300, collision costs $588, and liability coverage costs $388. A policy with just liability insurance costs as little as $434 a year, with coverage for high-risk drivers 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 broken down by individual coverage type:

Estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist 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 has a large influence on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

These examples highlight why everyone should compare rates for a targeted area, rather than using averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $202 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,412
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $394 each year
• High-risk insureds with serious driving violations could pay up to $3,072 or more
• The cost that insures a teenage driver for full coverage can cost as much as $5,212 a year

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on the model of your S4, your driving record and age, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,300 additional per year, depending on your age. Audi S4 insurance for high-risk drivers can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Where you live makes a big difference in Audi S4 insurance rates. 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 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates and see how they stack up. Every company calculates rates differently, and 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 Find Low Cost Audi S4 Insurance

Saving money on auto insurance not only requires not taking risks behind the wheel, but also having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following is a review of the concepts that were covered above.

• Drivers who have several accidents or serious violations could be charged and average of $1,660 more annually for S4 insurance
• Teens are expensive to insure, as much as $434 per month if comprehensive and collision insurance is included
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save approximately $600 each year
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date