Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs on average $300 a year, collision insurance costs $588, and liability insurance is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs $3,072 or more. 16-year-old drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The diagram below illustrates the difference location can make on car insurance rates.

The examples above show why it is important to get quotes based on a specific location, rather than relying on rate averages.

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

Rate Comparisons

The chart below shows average Audi S4 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save around $1,210 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,412
• Buying low $100 deductibles for comp and collision coverage will cost an additional $394 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,072
• Policy cost that insures a teen driver may cost $5,212 each year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level of your S4, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could 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 should be prepared to pay upwards of $5,200 a year. View Rates by Age

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 $930 a year in states like Idaho, Maine, and Iowa, or at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

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

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 Audi S4 insurance takes being a good driver, having a good credit score, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Comparison shop at least once a year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The following list is a review of the primary concepts that were touched on in this article.

• Drivers can save as much as $170 per year just by quoting early and online
• High-risk drivers who have several accidents or serious violations may pay on average $1,660 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers age 16 to 20 pay higher rates, costing up to $434 each month if comprehensive and collision insurance is included