Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually including full coverage. Comprehensive insurance costs around $300 a year, collision costs $588, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $3,072 or more. Teenage drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Prices are based on $500 deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, rather than using average rates.

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

More Rate Information

The chart below breaks down estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $1,210 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,412
• Using low $100 deductibles for physical damage coverage costs an additional $394 each year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,072 or more
• Policy cost with full coverage for a teenage driver can be $5,212 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $600 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied between companies.

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 Buy Affordable Audi S4 Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every couple of years by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a brief review of the material that was touched on in this article.

• Consumers who may need higher liability limits will pay an extra $430 per year to increase from a 30/60 limit to higher 250/500 limits
• Teens are charged the highest rates, with premiums being up to $434 each month if they have full coverage
• Drivers with DUI or reckless driving convictions may pay on average $1,660 more every year for S4 insurance
• Increasing comprehensive and collision deductibles could save up to $600 each year