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...
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UPDATED: May 20, 2024
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Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs approximately $300, collision insurance costs $588, and liability is $388. A policy with only liability insurance costs around $434 a year, and a high-risk policy costs $3,072 or more. Teens pay the most at up to $5,212 a year.
Average premium for full coverage: $1,412
Premium estimates by type of coverage:
Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different S4 trim levels.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for an Audi S4 range from the low end price of $434 for basic liability insurance to a much higher rate of $3,072 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects auto insurance prices.
These rate differences show why anyone shopping for car insurance should compare rates quotes using their specific location, instead of making a decision based on 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.
Rate Comparisons
The chart below shows average Audi S4 insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $795
- Raising to $1,000 deductibles will save $202 a year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,412
- Selecting more expensive low deductibles will cost an additional $394 annually
- Drivers with serious driving violations could pay around $3,072
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,212
Car insurance prices for an Audi S4 also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.
If you have a few violations or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than the average policy. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,200 a year. View Rates by Age
Where you choose to live also has a big influence on Audi S4 insurance prices. A middle-age driver might find 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit
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 Find the Best Cheap Audi S4 Insurance
Finding better rates on insurance for an Audi S4 consists of being a safe and courteous driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare rates every other policy renewal by getting rate quotes from direct carriers, and also from insurance agencies where you live.
Below is a quick review of the ideas that were raised in the charts and tables above.
- Teenage drivers pay the highest auto insurance prices, as much as $434 per month if full coverage is purchased
- Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,660 more per year for auto insurance
- Increasing policy deductibles can save approximately $600 each year
- Drivers can save around $170 per year just by shopping early and online
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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