Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,412 every 12 months for full coverage. Comprehensive insurance costs an estimated $300, collision costs $588, and liability insurance is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing $3,072 or more. Teen drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have more infrequent accident claims than larger metro areas.

The price range example below illustrates how your location can change insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below shows 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 a year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,412
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $394 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,072 or more
• An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,212 each year

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Auto insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model year and trim level.

Choosing high deductibles can save as much as $600 each year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know which insurance company is cheapest is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, and quoted prices will be substantially different.

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 Shop for the Best Cheap Audi S4 Insurance

Finding better rates on Audi S4 insurance takes avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around at every policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The points below are a quick review of the data illustrated above.

• Drivers who want increased liability limits will pay about $430 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
• Drivers can save approximately $170 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $600 each year
• Drivers under the age of 20 are the costliest to insure, as much as $434 per month if comprehensive and collision insurance is included