Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive costs approximately $300 each year, collision costs $588, and liability coverage is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing around $3,072. Teens 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:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how location impacts auto insurance prices.

The examples above highlight why all drivers should get quotes using their specific location and their own driving history, rather than using averaged prices.

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

Rate Comparisons

The chart below breaks down estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save $202 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,412
• Selecting low deductibles for comp and collision coverage increases the price to $1,806
• Drivers with serious driving violations could pay around $3,072 or more
• Policy cost to insure a teenage driver can cost $5,212 each year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your S4.

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 a year, whereas increasing liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 134% more than the average policy. View High Risk Driver Rates

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 $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison and see how they stack up. Each auto insurer calculates rates differently, so the 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 Shop for Cheap Audi S4 Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around every time your policy renews by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief summary of the information touched on above.

• You may be able to save around $170 per year simply by quoting online in advance
• Teenagers are expensive to insure, with premiums being up to $434 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers that tend to have accidents or serious violations could be charged and average of $1,660 more per year for car insurance
• Consumers who purchase higher liability limits will pay approximately $430 per year to raise limits from a 30/60 limit to a 250/500 level