Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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The average auto insurance rates for an Audi S4 are $1,456 annually including full coverage. Comprehensive insurance costs approximately $312, collision costs $624, and liability costs $384. Liability-only insurance costs as little as $432 a year, with high-risk driver insurance costing $3,174 or more. 16-year-old drivers cost the most to insure at $5,356 a year or more.
Average premium for full coverage: $1,456
Policy rates by type of insurance:
Estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different S4 trim levels.
Price Range Variability
For the average driver, Audi S4 insurance rates go from as cheap as $432 for liability-only coverage to a much higher rate of $3,174 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location can have significant affects on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities.
The price range example below illustrates how location impacts auto insurance prices.
The examples above highlight why anyone shopping for car insurance should compare rates using their specific location and their own personal driving habits, instead of using rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Charts and Tables
The chart below breaks down estimated Audi S4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $816
- Drivers who choose higher $1,000 deductibles will pay $212 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,456
- Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $414 every year
- Higher-risk drivers with multiple tickets or accidents could pay around $3,174 or more
- Policy cost with full coverage for a teen driver with full coverage can cost $5,356 a year
Auto insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.
An older driver with a good driving record and high physical damage deductibles may pay as little as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance can cost as much as 45% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could save up to $630 every year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,314 | -$142 | -9.8% |
| Alaska | $1,116 | -$340 | -23.4% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,658 | $202 | 13.9% |
| Colorado | $1,388 | -$68 | -4.7% |
| Connecticut | $1,494 | $38 | 2.6% |
| Delaware | $1,646 | $190 | 13.0% |
| Florida | $1,820 | $364 | 25.0% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,046 | -$410 | -28.2% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,084 | -$372 | -25.5% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,200 | -$256 | -17.6% |
| Massachusetts | $1,160 | -$296 | -20.3% |
| Michigan | $2,526 | $1,070 | 73.5% |
| Minnesota | $1,220 | -$236 | -16.2% |
| Mississippi | $1,742 | $286 | 19.6% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,562 | $106 | 7.3% |
| Nebraska | $1,146 | -$310 | -21.3% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,626 | $170 | 11.7% |
| New Mexico | $1,288 | -$168 | -11.5% |
| New York | $1,532 | $76 | 5.2% |
| North Carolina | $836 | -$620 | -42.6% |
| North Dakota | $1,192 | -$264 | -18.1% |
| Ohio | $1,002 | -$454 | -31.2% |
| Oklahoma | $1,494 | $38 | 2.6% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,320 | -$136 | -9.3% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,078 | -$378 | -26.0% |
| Vermont | $994 | -$462 | -31.7% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,006 | -$450 | -30.9% |
| Wyoming | $1,296 | -$160 | -11.0% |
Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see which company has the best rate. Every company utilizes a different rate formula, and quoted rates will be varied between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
| Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $384 | $750 | $332 | $1,602 |
| 2023 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2022 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2021 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2020 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2019 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2018 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2016 Audi S4 | $270 | $484 | $390 | $1,280 |
| 2014 Audi S4 | $254 | $424 | $402 | $1,216 |
| 2010 Audi S4 | $200 | $296 | $402 | $1,034 |
| 2009 Audi S4 | $194 | $266 | $398 | $994 |
| 2007 Audi S4 | $188 | $248 | $384 | $956 |
| 2006 Audi S4 | $172 | $236 | $380 | $924 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Audi S4 Insurance
Finding cheaper rates on car insurance not only requires being a low-risk driver, but also having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around at every policy renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The items below are a review of the data touched on above.
- Policyholders who purchase more liability coverage will pay around $420 per year to go from a 30/60 limit to higher 250/500 limits
- You may be able to save around $180 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $625 each year
- Teen drivers have the highest car insurance rates, with premiums being up to $446 each month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,382 |
| 30 | $1,526 |
| 40 | $1,456 |
| 50 | $1,330 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,870 |
| $250 | $1,678 |
| $500 | $1,456 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,533 |
| 100/300 | $1,629 |
| 250/500 | $1,878 |
| 100 CSL | $1,571 |
| 300 CSL | $1,782 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,686 |
| 20 | $5,390 |
| 30 | $3,252 |
| 40 | $3,174 |
| 50 | $3,024 |
| 60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $78 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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