Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs an estimated $300 a year, collision costs $588, and liability coverage is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $3,072. 16-year-old drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The diagram below illustrates the difference location can make on insurance prices.

These rate differences demonstrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using rate averages.

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

Additional Rate Analysis

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

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save approximately $1,210 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,412
• Buying low $100 deductibles will increase the cost to $1,806
• Unlucky drivers with multiple tickets or accidents could pay up to $3,072 or more
• An auto insurance policy for full coverage for a teenage driver can cost as much as $5,212

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with a clean driving record and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay at least $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $600 a year, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes and see how they stack up. Every auto insurance company utilizes a different rate formula, so the prices will be substantially 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 Cheapest Audi S4 Insurance

Finding better rates on auto insurance consists of avoiding accidents and violations, maintaining good credit, being claim-free, and taking advantage of discounts. Make time to compare rates every time your policy renews by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a recap of the information touched on in this article.

• You may be able to save approximately $170 per year simply by quoting early and online
• Teenagers are charged the highest prices, possibly costing $434 per month for full coverage
• Increasing policy deductibles can save around $600 each year
• Drivers that have major violations or accidents may pay on average $1,660 more annually for car insurance
• Consumers who want higher liability limits will pay around $430 every year to raise from 30/60 bodily injury limits to 250/500 limits