Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs on average $300, collision costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $3,072 or more. Teen drivers pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different S4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save around $202 each year
• The average rate for the average middle-age driver with $500 deductibles is $1,412
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $394 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,072 or more
• The price for full coverage for a 16-year-old driver with full coverage may cost $5,212 or more

View Chart as Image

Auto insurance prices for an Audi S4 are also quite variable based on your driving record, the model year and trim level, and policy deductibles and limits.

An older driver with a good driving record and high deductibles may pay as low as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles could cut prices by as much as $600 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying at a minimum $1,700 to $2,300 in extra premium each year, depending on your age. High-risk driver insurance can be from 44% to 134% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different rate calculation, and quoted prices may be quite 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 Affordable Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 requires being a low-risk driver, having good credit, not filing small claims, and taking advantage of discounts. Take the time to compare rates every time your policy renews by getting quotes from direct insurance companies like Progressive and GEICO, and also from local independent and exclusive agents.

The items below are a brief review of the information covered in the above illustrations.

• It is possible to save as much as $170 per year simply by shopping early and online
• Teen drivers are charged the highest prices, as much as $434 a month if they have full coverage
• Increasing physical damage deductibles can save around $600 each year
• Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,660 more each year to insure their S4
• Insureds who require more liability coverage will pay about $430 annually to increase from a low limit to 250/500 limits