Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and S4 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how geographic area affects auto insurance rates.

These examples illustrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on average rates.

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

More Rate Information

The chart below illustrates estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Raising to $1,000 deductibles will save about $202 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,412
• Using low deductibles bumps up the cost to $1,806
• Drivers who are prone to accidents and violations could pay at least $3,072 or more
• The cost that insures a 16-year-old driver can be $5,212

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying at least $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $5,200 a year. View Rates by Age

Where you live also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison from multiple companies. Every auto insurance company 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 Find the Right Audi S4 Insurance

Saving money on insurance for an Audi S4 consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices every couple of years by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a quick rundown of the material that was presented in the illustrations above.

• Insureds who may need increased liability limits will pay an extra $430 annually to raise from a minimum limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, costing up to $434 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,660 more every year to insure an Audi S4
• Increasing deductibles can save approximately $600 each year