Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing $3,072 or more. Teens pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance rates.

These rate differences show why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save about $202 a year
• The estimated price for a 40-year-old good driver using $500 deductibles is $1,412
• Selecting more expensive low deductibles will cost an additional $394 annually
• Drivers with serious driving violations could pay at least $3,072 or more
• An auto insurance policy that insures a 16-year-old driver with full coverage can be $5,212

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $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 a clean driving record 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 can expect to pay as much as $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 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 reduce prices by up to $600 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know your exact price is to compare prices from multiple companies. Every auto insurance company calculates prices differently, so the 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 Find More Affordable Audi S4 Insurance

Finding better rates on insurance for an Audi S4 consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at every policy renewal by requesting rates from direct carriers, and also from several local insurance agents.

The following is a summary of the data touched on in the above illustrations.

• Insureds who may need higher liability limits will pay approximately $430 each year to raise from 30/60 bodily injury limits to the 250/500 level
• Drivers can save up to $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $600 each year
• Teens pay higher prices, as much as $434 per month if full coverage is included