Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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Average insurance prices for an Audi S4 are $1,456 every 12 months for full coverage. Comprehensive insurance costs approximately $312 each year, collision costs $624, and liability coverage costs around $384. A policy with just liability insurance costs as low as $432 a year, with coverage for high-risk drivers costing $3,174 or more. Teenage drivers receive the highest rates at $5,356 a year or more.
Average premium for full coverage: $1,456
Rate estimates by individual coverage type:
Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and S4 models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range go from the cheapest price of $432 for just the minimum liability insurance to a high rate of $3,174 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on car insurance rates. Rural locations tend to have more infrequent accident claims than densely populated cities.
The graphic below illustrates how where you live affects auto insurance prices.
These examples show why all drivers should compare prices using their specific location and their own driving history, rather than using average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below shows estimated Audi S4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $816
- Using higher $1,000 deductibles will save $212 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,456
- Using low deductibles for physical damage coverage costs an extra $414 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $3,174 or more
- The cost to insure a teenage driver can cost $5,356 or more
Insurance rates for an Audi S4 can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your S4.
Using high physical damage deductibles could cut rates by as much as $630 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit
More mature drivers with no violations or accidents and higher deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Insurance for high-risk drivers can be around 45% to 130% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,314 | -$142 | -9.8% |
Alaska | $1,116 | -$340 | -23.4% |
Arizona | $1,208 | -$248 | -17.0% |
Arkansas | $1,456 | -$0 | 0.0% |
California | $1,658 | $202 | 13.9% |
Colorado | $1,388 | -$68 | -4.7% |
Connecticut | $1,494 | $38 | 2.6% |
Delaware | $1,646 | $190 | 13.0% |
Florida | $1,820 | $364 | 25.0% |
Georgia | $1,346 | -$110 | -7.6% |
Hawaii | $1,046 | -$410 | -28.2% |
Idaho | $986 | -$470 | -32.3% |
Illinois | $1,084 | -$372 | -25.5% |
Indiana | $1,098 | -$358 | -24.6% |
Iowa | $984 | -$472 | -32.4% |
Kansas | $1,382 | -$74 | -5.1% |
Kentucky | $1,984 | $528 | 36.3% |
Louisiana | $2,156 | $700 | 48.1% |
Maine | $898 | -$558 | -38.3% |
Maryland | $1,200 | -$256 | -17.6% |
Massachusetts | $1,160 | -$296 | -20.3% |
Michigan | $2,526 | $1,070 | 73.5% |
Minnesota | $1,220 | -$236 | -16.2% |
Mississippi | $1,742 | $286 | 19.6% |
Missouri | $1,292 | -$164 | -11.3% |
Montana | $1,562 | $106 | 7.3% |
Nebraska | $1,146 | -$310 | -21.3% |
Nevada | $1,746 | $290 | 19.9% |
New Hampshire | $1,050 | -$406 | -27.9% |
New Jersey | $1,626 | $170 | 11.7% |
New Mexico | $1,288 | -$168 | -11.5% |
New York | $1,532 | $76 | 5.2% |
North Carolina | $836 | -$620 | -42.6% |
North Dakota | $1,192 | -$264 | -18.1% |
Ohio | $1,002 | -$454 | -31.2% |
Oklahoma | $1,494 | $38 | 2.6% |
Oregon | $1,334 | -$122 | -8.4% |
Pennsylvania | $1,386 | -$70 | -4.8% |
Rhode Island | $1,942 | $486 | 33.4% |
South Carolina | $1,320 | -$136 | -9.3% |
South Dakota | $1,228 | -$228 | -15.7% |
Tennessee | $1,274 | -$182 | -12.5% |
Texas | $1,754 | $298 | 20.5% |
Utah | $1,078 | -$378 | -26.0% |
Vermont | $994 | -$462 | -31.7% |
Virginia | $872 | -$584 | -40.1% |
Washington | $1,124 | -$332 | -22.8% |
West Virginia | $1,334 | -$122 | -8.4% |
Wisconsin | $1,006 | -$450 | -30.9% |
Wyoming | $1,296 | -$160 | -11.0% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Audi S4 | $384 | $750 | $332 | $1,602 |
2023 Audi S4 | $370 | $744 | $338 | $1,588 |
2022 Audi S4 | $356 | $726 | $354 | $1,572 |
2021 Audi S4 | $344 | $696 | $364 | $1,540 |
2020 Audi S4 | $326 | $672 | $376 | $1,510 |
2019 Audi S4 | $312 | $624 | $384 | $1,456 |
2018 Audi S4 | $300 | $588 | $388 | $1,412 |
2016 Audi S4 | $270 | $484 | $390 | $1,280 |
2014 Audi S4 | $254 | $424 | $402 | $1,216 |
2010 Audi S4 | $200 | $296 | $402 | $1,034 |
2009 Audi S4 | $194 | $266 | $398 | $994 |
2007 Audi S4 | $188 | $248 | $384 | $956 |
2006 Audi S4 | $172 | $236 | $380 | $924 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Cheapest Audi S4 Insurance
Saving money on auto insurance requires being safe and accident-free, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
Below you'll find a recap of the concepts that were touched on in the above illustrations.
- Drivers that have major violations or accidents may pay on average $1,720 more per year than a low-risk driver
- Youthful drivers are the costliest to insure, costing as high as $446 per month if full coverage is included
- Drivers can save around $180 per year simply by quoting online in advance
- Increasing deductibles could save as much as $625 each year
- Drivers can save around $180 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,356 |
20 | $3,382 |
30 | $1,526 |
40 | $1,456 |
50 | $1,330 |
60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,870 |
$250 | $1,678 |
$500 | $1,456 |
$1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,456 |
50/100 | $1,533 |
100/300 | $1,629 |
250/500 | $1,878 |
100 CSL | $1,571 |
300 CSL | $1,782 |
500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,686 |
20 | $5,390 |
30 | $3,252 |
40 | $3,174 |
50 | $3,024 |
60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $78 |
Homeowner | $21 |
5-yr Accident Free | $114 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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