Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive costs approximately $300, collision insurance costs $588, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, and high-risk insurance costs around $3,072. Teen 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:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than larger metro areas. The example below illustrates how where you live affects auto insurance prices.

The examples above show why everyone should get quotes using their specific location, instead of making a decision based on price averages.

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

More Rate Information

The chart below shows average Audi S4 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save $202 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,412
• Choosing pricier low deductibles for comp and collision coverage bumps up the cost to $1,806
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,072
• Policy cost that insures a 16-year-old driver for full coverage can cost $5,212 each year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on the model of your S4, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. Audi S4 insurance for high-risk drivers ranges from 44% to 134% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low 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 will be charged in the ballpark of $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 $930 a year in states like Iowa, Maine, and Idaho, or as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $600 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. 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 More Affordable Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Shop around every time your policy renews by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a summary of the information touched on in the above illustrations.

• Drivers can save around $170 per year just by quoting online well ahead of the renewal date
• Drivers age 20 and younger pay the highest auto insurance rates, costing up to $434 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,660 more per year to buy Audi S4 insurance
• Insureds who purchase increased levels of liability coverage will pay about $430 each year to raise limits from a 30/60 limit to the 250/500 level