Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save about $202 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,412
• Buying more expensive low deductibles bumps up the cost to $1,806
• Drivers with multiple tickets or accidents could pay at least $3,072 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $5,212

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months 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 as much as $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $600 annually, while increasing your policy's liability limits will increase rates. Changing 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

Because rates have so much variability, the best way to figure out your exact price is to compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and 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 Find Low Cost Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 consists of avoiding accidents and violations, having a good credit score, paying for small claims out-of-pocket, and taking advantage of discounts. Comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a review of the data covered above.

• Insureds who may need higher liability limits will pay around $430 per year to raise from a 30/60 limit to the 250/500 level
• You may be able to save up to $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teenagers are charged the highest rates, with premiums being up to $434 each month if comprehensive and collision insurance is included