Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually for full coverage insurance. Comprehensive costs approximately $300 a year, collision insurance costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs around $3,072. Teen drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to compare prices using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

More Rate Details

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

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $1,210 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,412
• Choosing low $100 deductibles for physical damage coverage will cost $1,806
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,072
• Policy cost with full coverage for a 16-year-old driver can cost $5,212 or more

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $600 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

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 Affordable Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 requires avoiding accidents and violations, having good credit, being claim-free, and consideration of higher deductibles. Make time to compare rates 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 list below is a brief review of the material that was touched on in this article.

• Insureds who purchase higher liability limits will pay about $430 annually to increase from a 30/60 limit to higher 250/500 limits
• Teenagers are the costliest to insure, possibly costing $434 each month if they have full coverage
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,660 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $600 each year