Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion. The price range example below illustrates how location impacts insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes for a targeted area, rather than relying on averaged prices.

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

Additional Rate Details

The chart below details average Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,412
• Selecting more expensive low deductibles for comp and collision coverage bumps up the cost to $1,806
• High-risk insureds with serious driving violations could pay up to $3,072
• Policy cost that insures a teen driver with full coverage can cost as much as $5,212 each year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you may be forking out $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

An older driver 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 much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $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 $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 each year, while increasing your policy's liability limits will increase premiums. Moving 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 More Affordable Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance takes being a low-risk driver, having a good credit score, not filing small claims, and possibly raising deductibles. Compare rates at least every other year by obtaining price quotes from direct companies, and also from insurance agencies where you live.

The items below are a summary of the car insurance concepts touched on above.

• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $1,660 more annually to insure their S4
• You may be able to save approximately $170 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers who want more liability coverage will pay approximately $430 every year to raise limits from a 30/60 limit to the 250/500 level