Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs on average $312 each year, collision costs $624, and liability insurance is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing around $3,174. Teens cost the most to insure at $5,356 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above demonstrate why all drivers should compare rates quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $816
• Raising to $1,000 deductibles will save around $212 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,456
• Selecting low deductibles will increase the cost to $1,870
• Higher-risk drivers with serious driving violations could pay upwards of $3,174 or more
• Policy cost for full coverage for a teen driver may cost $5,356

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay upwards of $5,300 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,960 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $630 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company calculates rates differently, so the rates will be varied 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 Cheap Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and bundling your home and auto policies. Take the time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The points below are a brief summary of the information covered in the above illustrations.

• You may be able to save as much as $180 per year simply by quoting online in advance
• Drivers under the age of 20 pay the highest rates, as much as $446 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $625 each year
• High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,720 more each year to insure an Audi S4
• Drivers who require increased liability limits will pay approximately $420 every year to raise from a 30/60 limit to 250/500 limits