Audi S4 Insurance Rates

Average insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive costs approximately $300 each year, collision costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing around $3,072. Teenage drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all U.S. states and S4 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

These examples demonstrate why all drivers should get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save $202 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $1,412
• Using low deductibles for comp and collision coverage increases the price to $1,806
• Higher-risk drivers who are prone to accidents and violations could pay around $3,072 or more
• The cost to insure a 16-year-old driver can cost $5,212 each year

View Chart as Image

Auto insurance rates for an Audi S4 can also vary considerably based on policy deductibles and limits, your driving record, and the model of your S4.

Using high physical damage deductibles can save as much as $600 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live 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 be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate rates, and quoted rates can be significantly different.

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 Shop for the Best Audi S4 Insurance

Saving money on insurance for an Audi S4 takes having a good driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Invest time comparing rates at least once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,660 more per year to buy Audi S4 insurance
• Increasing deductibles could save as much as $600 each year
• Drivers age 20 and younger have the highest car insurance rates, with premiums as much as $434 per month if comprehensive and collision insurance is included