Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs approximately $300 each year, collision costs $588, and liability insurance costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers costing $3,072 or more. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and S4 models.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location, rather than relying on averaged prices.

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

More Rate Details

The chart below details estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay $202 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,412
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $394 a year
• High risk drivers with serious driving violations could pay around $3,072 or more
• The price that insures a teen driver can cost $5,212 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 each year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison from as many companies as possible. Every company calculates prices differently, and prices may be quite 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 Cheaper Audi S4 Insurance

Getting lower rates on Audi S4 insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates every couple of years by obtaining price quotes from direct companies, and also from local insurance agencies.

The points below are a condensed summary of the material that was touched on in this article.

• Drivers who purchase increased liability limits will pay approximately $430 every year to go from a low limit to the 250/500 level
• Drivers under the age of 20 are the costliest to insure, costing up to $434 a month if comprehensive and collision insurance is included
• High-risk drivers with multiple at-fault accidents may have to pay on average $1,660 more per year to insure an Audi S4
• Increasing physical damage deductibles can save approximately $600 each year