Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The price range example below illustrates how geographic area affects insurance prices.

These rate differences illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save approximately $202 each year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,412
• Using more expensive low deductibles for physical damage coverage will increase the cost to $1,806
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,072 or more
• An auto insurance policy for full coverage for a teenage driver with full coverage can cost as much as $5,212 or more

View Chart as Image

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

An older driver with a good driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay at least $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Audi S4 insurance rates. 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 a year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Cheap Audi S4 Insurance

Finding better rates on auto insurance requires avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Invest the time to compare rates every other policy renewal by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The list below is a brief summary of the ideas that were presented in the illustrations above.

• Teenagers are the costliest to insure, with premiums being up to $434 per month if they have full coverage
• Drivers that tend to have accidents or serious violations pay on average $1,660 more annually for car insurance
• Increasing policy deductibles can save around $600 each year
• It is possible to save approximately $170 per year simply by shopping early and online