Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually including full coverage. Comprehensive insurance costs an estimated $300, collision insurance costs $588, and liability insurance is estimated at $388. Buying just liability costs approximately $434 a year, and insurance for high-risk drivers costs $3,072 or more. Teenage drivers pay the highest rates at up to $5,212 a year.

Average premium for full coverage: $1,412

Price estimates broken down by individual coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on insurance prices.

The ranges above highlight why everyone should get quotes for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

The chart below breaks down average Audi S4 insurance rates for other coverage scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save approximately $202 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,412
• Using pricier low deductibles for comp and collision coverage costs an additional $394 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,072
• The price with full coverage for a teen driver for full coverage can cost as much as $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,700 to $2,300 additional each year, depending on your age. Audi S4 insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 each year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

The state you live in 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 be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Buy the Right Audi S4 Insurance

Getting lower rates on Audi S4 insurance takes being a good driver, having good credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a quick rundown of the car insurance concepts covered in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,660 more annually than a safer driver
• You may be able to save approximately $170 per year just by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $600 each year
• Drivers who want an increased level of liability coverage will pay an extra $430 per year to raise limits from a low limit to higher 250/500 limits