Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive costs an estimated $312 a year, collision costs $624, and liability coverage is $384. Buying just liability costs around $432 a year, with insurance for high-risk drivers costing around $3,174. Teen 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:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on the price of insurance. More rural locations have a lower frequency of physical damage claims than larger metro areas.

The diagram below illustrates how location helps determine insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and risk profile, rather than using price averages.

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

More Rate Information

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

• The lowest rate with discounts is $816
• Raising to $1,000 deductibles will save approximately $1,244 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,456
• Choosing low $100 deductibles will increase the cost to $1,870
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $3,174 or more
• The price for full coverage for a teenage driver can cost as much as $5,356

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

The state you live in also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce prices by up to $630 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Every auto insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

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

Getting lower rates on auto insurance consists of avoiding accidents and claims, having a good credit history, not filing small claims, and maximizing policy discounts. Invest time comparing rates every other policy renewal by requesting rates from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a review of the ideas that were covered in the charts and tables above.

• Drivers under the age of 20 are expensive to insure, as much as $446 a month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $1,720 more annually to insure an Audi S4
• Increasing physical damage deductibles can save around $625 each year
• It is possible to save approximately $180 per year simply by quoting early and online