Audi S4 Insurance Rates

Average insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive insurance costs around $300 each year, collision costs $588, and liability costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teenage drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates for individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and S4 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance rates.

These examples highlight why all drivers should compare prices for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $202 every year
• The average price for a 40-year-old driver using $500 deductibles is $1,412
• Using low deductibles for physical damage coverage costs an extra $394 annually
• High-risk insureds who are prone to accidents and violations could pay at least $3,072 or more
• The cost to insure a 16-year-old driver can be $5,212 or more

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles could cut rates by as much as $600 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, and rates can be significantly 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 Shop for Affordable Audi S4 Insurance

Saving money on insurance for an Audi S4 requires having a decent driving record, having above-average credit, not filing small claims, and taking advantage of discounts. Invest time comparing rates every couple of years by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following items are a brief review of the material that was covered in the charts and tables above.

• Insureds who may need additional liability coverage will pay an extra $430 per year to increase from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are charged the highest rates, as much as $434 per month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions could be forced to pay on average $1,660 more every year than a driver with a clean driving record
• Increasing deductibles could save as much as $600 each year