Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details average Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Raising to $1,000 deductibles will save about $202 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,412
• Using pricier low deductibles will cost an extra $394 annually
• Drivers who are prone to accidents and violations could pay at least $3,072
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $5,212

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,700 to $2,300 extra every year, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

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 Low Cost Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 consists of having a decent driving record, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Set aside time to compare rates at least once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a review of the primary concepts that were covered above.

• You may be able to save up to $170 per year just by quoting online well ahead of the renewal date
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,660 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $600 each year
• 16 to 18-year-old drivers pay higher rates, as much as $434 each month for full coverage