Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs approximately $300 a year, collision costs $588, and liability costs around $388. Liability-only coverage costs as low as $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 by type of insurance:

Rates are based on $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. 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 insurance. Rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and risk profile, instead of making a decision based on price averages.

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

Detailed Rate Analysis

The chart below details estimated 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 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,412
• Choosing low $100 deductibles for physical damage coverage will increase the cost to $1,806
• High-risk insureds with multiple violations and an at-fault accident could pay around $3,072 or more
• Policy cost for 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 your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you may be forking out 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

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and rates 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 Best Cheap Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 requires having a good driving record, having a good credit history, not filing small claims, and qualifying for all possible discounts. Take the time to comparison shop every year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a quick review of the coverage data touched on in the above illustrations.

• You may be able to save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers age 20 and younger are the costliest to insure, as much as $434 each month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,660 more per year to buy Audi S4 insurance