Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,456 every 12 months including full coverage. Comprehensive insurance costs an estimated $312, collision insurance costs $624, and liability coverage costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs $3,174 or more. Teenage drivers pay the most at up to $5,356 a year.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how geographic area affects insurance prices.

These rate differences highlight why everyone should compare rates for a targeted area and their own driving history, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $816
• Drivers who choose higher $1,000 deductibles will pay approximately $212 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,456
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $414 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,174
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,356 a year

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Using high physical damage deductibles could save up to $630 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,700 to $2,400 extra annually, depending on your age. Audi S4 insurance for high-risk drivers can cost around 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

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 Cheap Audi S4 Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also having good credit, refrain from filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The list below is a brief summary of the information presented in the illustrations above.

• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Teenagers are charged the highest prices, with the cost nearing $446 per month if they have full coverage
• Increasing policy deductibles could save as much as $625 each year
• Drivers that tend to have accidents or serious violations may have to pay on average $1,720 more annually for car insurance
• Consumers who want higher liability limits will pay an extra $420 per year to go from 30/60 bodily injury limits to a 250/500 level