Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive costs around $300 each year, collision costs $588, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, with coverage for high-risk drivers costing around $3,072. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates for individual coverage:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and S4 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have lower incidents of accident claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why all drivers should compare rates for a specific zip code, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay about $202 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,412
• Selecting low deductibles for comprehensive and collision insurance bumps up the cost to $1,806
• Higher-risk drivers with serious driving violations could pay at least $3,072 or more
• The price that insures a teen driver can be $5,212 a year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the trim level and model year, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

The state you live in makes a big difference in Audi S4 insurance prices. A 40-year-old driver 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 could save up to $600 every year, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to do a rate comparison and see which company has the best price. Every company calculates prices differently, so the prices may be quite 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 Cheap Audi S4 Insurance

Getting lower rates on car insurance not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare rates at least every other year by quoting rates from direct carriers, and also from several local insurance agents.

The next list is a brief summary of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that tend to have accidents or serious violations pay on average $1,660 more every year to buy Audi S4 insurance
• Drivers can save up to $170 per year simply by quoting online in advance
• Increasing physical damage deductibles can save approximately $600 each year
• Policyholders who may need increased levels of liability coverage will pay approximately $430 each year to go from a low limit to the 250/500 level