Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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U.S. average insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive costs an estimated $312, collision costs $624, and liability is estimated at $384. Liability-only coverage costs approximately $432 a year, with high-risk coverage costing around $3,174. 16-year-old drivers pay the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Price estimates broken down by individual coverage:

Comprehensive $312
Collision $624
Liability $384

Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all S4 models.

Price Range from Low to High

For a 40-year-old driver, Audi S4 insurance prices go from the low end price of $432 for a discount liability-only rate to the much higher price 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

Living in a larger city can have significant affects on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.

The example below illustrates how your location can change insurance prices.

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

The ranges above illustrate why everyone should get quotes for a targeted area, 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.

Rates by State, City, and Model

The chart below illustrates estimated Audi S4 insurance rates for other coverage scenarios.

  • The best full coverage rate is $816
  • Choosing higher $1,000 deductibles can save approximately $212 each year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,456
  • Buying pricier low deductibles for comp and collision coverage bumps up the cost to $1,870
  • Unlucky drivers with multiple tickets or accidents could pay up to $3,174 or more
  • The price that insures a teen driver for full coverage can cost as much as $5,356 each year

View Chart as Image

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

Auto insurance prices for an Audi S4 are also quite variable based on the model of your S4, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,400 in extra premium each year, depending on your age. Audi S4 insurance for high-risk drivers ranges as much as 45% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay at least $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,960 on average in Florida, New York, and Michigan.

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

Opting for high physical damage deductibles can save as much as $630 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $345 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to regularly compare prices and see which company has the best price. Each auto insurer utilizes a different rate formula, and quoted prices may be quite different.

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 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.

Audi S4 Insurance Rates by Model Year
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 Find More Affordable Audi S4 Insurance

Getting lower rates on car insurance takes being a low-risk driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Comparison shop once a year by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a summary of the data that was illustrated above.

  • It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
  • Policyholders who want more liability coverage will pay around $420 annually to raise limits from a low limit to the 250/500 level
  • Teen drivers are the costliest to insure, as much as $446 a month if the policy includes full coverage
  • Higher risk drivers who have multiple accidents or major violations may have to pay on average $1,720 more annually to insure their S4

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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