Audi S4 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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U.S. average auto insurance rates for an Audi S4 are $1,456 annually for full coverage insurance. Comprehensive insurance costs on average $312, collision insurance costs $624, and liability insurance costs $384. Liability-only insurance costs as little as $432 a year, and high-risk driver insurance costs $3,174 or more. Teenage drivers pay the highest rates at up to $5,356 a year.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Comprehensive $312
Collision $624
Liability $384

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

Price Range from Low to High

Using a middle-aged driver as an example, Audi S4 insurance prices range from as cheap as $432 for the bare minimum liability coverage to a much higher rate of $3,174 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Geographic Price Range

Your location has a significant impact on insurance rates. Rural areas have fewer physical damage claims than densely populated cities. The price range example below illustrates how where you live affects car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The ranges above illustrate why anyone shopping for car insurance should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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 Rate Information

The chart below illustrates average Audi S4 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $816
  • Drivers who choose higher $1,000 deductibles will pay around $212 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $1,456
  • Using more expensive low deductibles for comprehensive and collision insurance costs an additional $414 a year
  • High risk drivers who are prone to accidents and violations could pay upwards of $3,174
  • The price with full coverage for a teen driver with full coverage may cost $5,356 a year

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing Audi S4 insurance prices range from $816 to $5,356 for full coverage

Car insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,400 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged upwards of $5,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance can cost anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $630 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,960 on average in Michigan, New York, and Florida.

Audi S4 Insurance Rates by State
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%

View Chart as Image

Audi S4 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
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 2018 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.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Audi S4 $312 $624 $384 $1,456
2014 Audi S4 $260 $454 $394 $1,244
2010 Audi S4 $212 $326 $402 $1,076
2009 Audi S4 $200 $296 $402 $1,034
2007 Audi S4 $190 $260 $390 $976
2006 Audi S4 $188 $248 $384 $956
2004 Audi S4 $166 $224 $376 $902

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 the Right Audi S4 Insurance

Getting lower rates on Audi S4 insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and possibly raising deductibles. Take the time to comparison shop once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a quick rundown of the data that was touched on in the above illustrations.

  • It is possible to save as much as $180 per year just by shopping early and online
  • Drivers who require additional liability coverage will pay an extra $420 annually to go from a low limit to higher 250/500 limits
  • 16 to 18-year-old drivers are expensive to insure, as much as $446 a month if comprehensive and collision insurance is included
  • High-risk drivers with reckless driving or DUI convictions may pay on average $1,720 more each year than a driver with a clean driving record

Rates by Driver Age

Audi S4 Insurance 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

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
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

Audi S4 Insurance 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.

SR-22 Surcharge $210

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
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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