Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Prices are based on $500 deductible amounts, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than using price averages.

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

Additional Rate Information

The chart below illustrates estimated Audi S4 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,412
• Choosing more expensive low deductibles for comp and collision coverage will cost $1,806
• Drivers with multiple violations and an at-fault accident could pay up to $3,072 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,212 each year

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 liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may only pay around $1,300 annually on average, 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 at least $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 $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges around 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $600 a year, while increasing your policy's liability limits will increase premiums. 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 plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay 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

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, and rates will be varied between companies.

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 auto insurance takes having a good driving record, having good credit, being claim-free, and maximizing policy discounts. Invest the time to compare rates once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief review of the data that was presented in the illustrations above.

• It is possible to save approximately $170 per year simply by shopping early and online
• Consumers who want increased levels of liability coverage will pay about $430 annually to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, possibly costing $434 each month if they have full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,660 more annually to buy Audi S4 insurance