Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs around $300 a year, collision costs $588, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing $3,072 or more. 16-year-old drivers 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:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates how your location can change auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code, instead of using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save about $1,210 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,412
• Buying low $100 deductibles for comp and collision coverage will cost an additional $394 every year
• Unlucky drivers with multiple tickets or accidents could pay at least $3,072 or more
• Policy cost that insures a teen driver can be $5,212 each year

View Chart as Image

Auto insurance rates for an Audi S4 also range considerably based on the trim level of your S4, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay 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 prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 every year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see which company has the best rate. Each auto insurer utilizes a different rate formula, and quoted rates will be varied.

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 Low Cost Audi S4 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop every time your policy renews by requesting rates from direct car insurance companies, and also from local insurance agencies.

The following is a review of the information illustrated above.

• You may be able to save up to $170 per year simply by quoting early and online
• Teens are expensive to insure, with premiums being up to $434 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Higher risk drivers who have several accidents or serious violations may have to pay on average $1,660 more every year for S4 insurance
• Policyholders who may need higher liability limits will pay around $430 per year to raise limits from a 30/60 limit to the 250/500 level