Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs an estimated $300, collision costs $588, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing around $3,072. Teen drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Details

The chart below details estimated Audi S4 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,412
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,806
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,072 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can cost as much as $5,212 each year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $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 $1,020 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and rates will be varied from one company to the next.

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 the Best Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief recap of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $170 per year simply by shopping early and online
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,660 more annually to insure an Audi S4
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers under the age of 20 are expensive to insure, as much as $434 each month including comprehensive and collision insurance