Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive costs an estimated $312, collision insurance costs $624, and liability coverage is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $3,174. Teenage drivers cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why everyone should compare rates quotes for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $816
• Raising to $1,000 deductibles will save approximately $212 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,456
• Using pricier low deductibles will increase the cost to $1,870
• Unlucky drivers who are prone to accidents and violations could pay up to $3,174
• Policy cost for full coverage for a teenage driver for full coverage can cost as much as $5,356

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on your risk profile, the model of your S4, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates 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

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

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 additional every year, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost around 45% to 130% 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 Cheap Audi S4 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having a good credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to shop around every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief summary of the information raised in the charts and tables above.

• You may be able to save approximately $180 per year just by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, with premiums being up to $446 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $625 each year
• Drivers that tend to have accidents or serious violations may pay on average $1,720 more annually for car insurance
• Consumers who want higher liability limits will pay an extra $420 per year to raise from a 30/60 limit to 250/500 limits