Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs approximately $300, collision insurance costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs $3,072 or more. Teenage drivers pay the most at up to $5,212 a year.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Rates are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how your location can change auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates average Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $795
• Using higher $1,000 deductibles will save $202 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Using pricier low deductibles for physical damage coverage will cost an additional $394 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,072
• An auto insurance policy that insures a 16-year-old driver for full coverage can cost $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Audi S4 insurance for high-risk drivers can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $600 annually, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per 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 the Best Cheap Audi S4 Insurance

Finding better rates on insurance for an Audi S4 requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare prices at every other renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

Below is a quick review of the concepts that were illustrated above.

• Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,660 more per year for auto insurance
• Teenage drivers are expensive to insure, with premiums being up to $434 per month if full coverage is included
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date
• Increasing policy deductibles can save approximately $600 each year
• It is possible to save around $170 per year just by quoting online well ahead of the renewal date