Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive costs around $300 a year, collision costs $588, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing around $3,072. 16-year-old drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates for individual coverage type:

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

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why it is important to get quotes for a specific zip code, instead of making a decision based on rate 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 additional coverage choices and driver risks.

• The best full coverage rate is $795
• Choosing higher $1,000 deductibles can save about $1,210 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $1,412
• Buying low $100 deductibles for comp and collision coverage bumps up the cost to $1,806
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,072 or more
• The cost that insures a 16-year-old driver can be $5,212 each year

View Chart as Image

Car insurance rates for an Audi S4 can also vary considerably based on the trim level of your S4, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,700 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged as much as $5,200 a year. View Rates by Age

Where you live plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $600 annually, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer utilizes a different rate formula, so rate quotes can be significantly different.

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

Saving money on insurance for an Audi S4 takes avoiding accidents and claims, having a positive credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop at every other renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a brief summary of the concepts that were covered above.

• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $1,660 more every year to insure an Audi S4
• Drivers under the age of 20 are the costliest to insure, costing up to $434 per month if full coverage is purchased
• It is possible to save up to $170 per year simply by quoting early and online
• Increasing deductibles can save approximately $600 each year
• It is possible to save up to $170 per year simply by quoting early and online