Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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U.S. average insurance prices for an Audi S4 are $1,412 every 12 months for full coverage. Comprehensive insurance costs an estimated $300 a year, collision insurance costs $588, and liability costs around $388. Liability-only insurance costs as low as $434 a year, and high-risk driver insurance costs $3,072 or more. Teens pay the highest rates at up to $5,212 a year.
Average premium for full coverage: $1,412
Price estimates broken down by individual coverage:
Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and S4 trim levels.
Price Range from Low to High
For a driver around age 40, Audi S4 insurance prices range from the cheapest price of $434 for the bare minimum liability coverage to a high of $3,072 for a high-risk insurance policy.
Geographic Price Range
Where you live can have significant affects on insurance rates. More rural locations have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on insurance prices.
The ranges above show why it is important to compare prices for a targeted area and their own driving history, instead of using averaged prices.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows average Audi S4 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $795
- Using higher $1,000 deductibles will save approximately $1,210 a year
- The average price for the average middle-age driver who has $500 deductibles is $1,412
- Selecting low $100 deductibles for physical damage coverage costs an extra $394 every year
- Drivers with serious driving violations could pay up to $3,072
- The price to insure a teen driver can cost as much as $5,212 or more
Car insurance prices for an Audi S4 are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit
Older drivers with no driving violations and higher deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying $1,700 to $2,300 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 44% to 134% more than the average policy. View High Risk Driver Rates
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 $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$138 | -9.8% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,344 | -$68 | -4.8% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,594 | $182 | 12.9% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,014 | -$398 | -28.2% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $950 | -$462 | -32.7% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $870 | -$542 | -38.4% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,182 | -$230 | -16.3% |
| Mississippi | $1,690 | $278 | 19.7% |
| Missouri | $1,252 | -$160 | -11.3% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,690 | $278 | 19.7% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,576 | $164 | 11.6% |
| New Mexico | $1,246 | -$166 | -11.8% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $810 | -$602 | -42.6% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,292 | -$120 | -8.5% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,232 | -$180 | -12.7% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,042 | -$370 | -26.2% |
| Vermont | $964 | -$448 | -31.7% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $974 | -$438 | -31.0% |
| Wyoming | $1,254 | -$158 | -11.2% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2023 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2022 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2021 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2020 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2019 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2018 Audi S4 | $288 | $526 | $390 | $1,340 |
| 2016 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2014 Audi S4 | $234 | $394 | $402 | $1,166 |
| 2010 Audi S4 | $194 | $266 | $398 | $994 |
| 2009 Audi S4 | $190 | $260 | $390 | $976 |
| 2007 Audi S4 | $172 | $236 | $380 | $924 |
| 2006 Audi S4 | $166 | $224 | $376 | $902 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Affordable Audi S4 Insurance
Getting lower rates on car insurance requires having a decent driving record, maintaining a good credit score, eliminating unnecessary coverage, and possibly higher deductibles. Set aside time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The following items are a brief review of the car insurance concepts covered above.
- Higher risk drivers with DUI or reckless driving convictions pay on average $1,660 more annually than a driver with a clean driving record
- Drivers can save approximately $170 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $600 each year
- Policyholders who want additional liability coverage will pay approximately $430 each year to increase from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,212 |
| 20 | $3,272 |
| 30 | $1,476 |
| 40 | $1,412 |
| 50 | $1,288 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,806 |
| $250 | $1,622 |
| $500 | $1,412 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,490 |
| 100/300 | $1,587 |
| 250/500 | $1,839 |
| 100 CSL | $1,528 |
| 300 CSL | $1,742 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,470 |
| 20 | $5,218 |
| 30 | $3,144 |
| 40 | $3,072 |
| 50 | $2,928 |
| 60 | $2,904 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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