Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

The examples above show why everyone should get quotes for a specific zip code and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below shows estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save about $202 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,412
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $394 each year
• Drivers with serious driving violations could pay at least $3,072 or more
• Policy cost for full coverage for a teenage driver for full coverage can be $5,212 each year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on your risk profile, the trim level of your S4, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

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 $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 a year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,700 to $2,300 extra every year, depending on your age. Audi S4 insurance for high-risk drivers ranges around 44% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

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 Find the Cheapest Audi S4 Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every couple of years by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a recap of the material that was covered in the charts and tables above.

• Consumers who may need more liability coverage will pay approximately $430 each year to raise limits from a 30/60 limit to 250/500 limits
• Teen drivers are the costliest to insure, costing up to $434 each month if full coverage is included
• Drivers that have major violations or accidents may be required to pay an average of $1,660 more every year to insure their S4
• Increasing comprehensive and collision deductibles can save around $600 each year