Audi S4 Insurance Rates

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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:

Comprehensive $312
Collision $624
Liability $384

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.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

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.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

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

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance prices range from $816 to $5,356

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.

Audi S4 Insurance Rates by State
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%

View Chart as Image

Audi S4 insurance rates by U.S. city

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

Audi S4 Insurance Rates by Model and Trim Level
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.

Audi S4 Insurance Rates by Model Year
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

Rates by Driver Age

Audi S4 Insurance 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

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
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

Audi S4 Insurance 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.

SR-22 Surcharge $210

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
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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