Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually for full coverage. Comprehensive costs approximately $300, collision insurance costs $588, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs around $3,072. Teenage drivers pay the highest rates at up to $5,212 a year.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for different S4 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below shows average Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay $202 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Using more expensive low deductibles for comprehensive and collision insurance will cost $1,806
• Drivers who are prone to accidents and violations could pay around $3,072
• The price with full coverage for a 16-year-old driver with full coverage can cost $5,212 a year

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Insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying anywhere from $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $600 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

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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 Buy Cheap Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 not only requires avoiding accidents and violations, but also having a good credit history, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the information covered in the charts and tables above.

• Drivers can save around $170 per year just by shopping early and online
• Teenagers are expensive to insure, with premiums as much as $434 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $600 each year
• Drivers considered higher risk that tend to have accidents or serious violations pay on average $1,660 more per year for car insurance
• Insureds who purchase higher liability limits will pay an extra $430 each year to go from a low limit to higher 250/500 limits