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 rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs approximately $300 each year, collision costs $588, and liability insurance is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing $3,072 or more. Teenage drivers receive the highest rates at $5,212 a year or more.
Average premium for full coverage: $1,412
Rate estimates by individual coverage type:
Rates are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and S4 models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as low as $434 for basic liability insurance to a high rate of $3,072 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have a lower frequency of physical damage claims than densely populated cities.
The graphic below illustrates how rural and urban location affects auto insurance prices.
These examples illustrate why all drivers should get quotes using their specific location and risk profile, rather than relying on 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.
Rate Comparisons
The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $795
- Choosing higher $1,000 deductibles can save $202 each year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,412
- Using low deductibles for comp and collision coverage will cost an extra $394 a year
- High-risk insureds who are prone to accidents and violations could pay around $3,072 or more
- The cost for full coverage for a teen driver can cost $5,212 each year
Insurance rates for an Audi S4 can also vary considerably based on your driver profile, the model year and trim level, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age
Where you live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$138 | -9.8% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,344 | -$68 | -4.8% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,594 | $182 | 12.9% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,014 | -$398 | -28.2% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $950 | -$462 | -32.7% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $870 | -$542 | -38.4% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,182 | -$230 | -16.3% |
| Mississippi | $1,690 | $278 | 19.7% |
| Missouri | $1,252 | -$160 | -11.3% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,690 | $278 | 19.7% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,576 | $164 | 11.6% |
| New Mexico | $1,246 | -$166 | -11.8% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $810 | -$602 | -42.6% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,292 | -$120 | -8.5% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,232 | -$180 | -12.7% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,042 | -$370 | -26.2% |
| Vermont | $964 | -$448 | -31.7% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $974 | -$438 | -31.0% |
| Wyoming | $1,254 | -$158 | -11.2% |
Using high physical damage deductibles can save as much as $600 each year, whereas increasing liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates
With so much variability in rates, the only way to figure out who has the best car insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate rates, so the rates can be significantly different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
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 | $370 | $744 | $338 | $1,588 |
| 2023 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2022 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2021 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2020 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2019 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2018 Audi S4 | $288 | $526 | $390 | $1,340 |
| 2016 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2014 Audi S4 | $234 | $394 | $402 | $1,166 |
| 2010 Audi S4 | $194 | $266 | $398 | $994 |
| 2009 Audi S4 | $190 | $260 | $390 | $976 |
| 2007 Audi S4 | $172 | $236 | $380 | $924 |
| 2006 Audi S4 | $166 | $224 | $376 | $902 |
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 Find the Best Cheap Audi S4 Insurance
Saving money on Audi S4 insurance takes being a safe and courteous driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every other policy renewal by getting quotes from direct insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.
Below is a quick review of the ideas that were raised in the charts and tables above.
- Teenage drivers are expensive to insure, costing up to $434 per month for full coverage
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,660 more per year for auto insurance
- Increasing deductibles can save around $600 each year
- It is possible to save around $170 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,212 |
| 20 | $3,272 |
| 30 | $1,476 |
| 40 | $1,412 |
| 50 | $1,288 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,806 |
| $250 | $1,622 |
| $500 | $1,412 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,490 |
| 100/300 | $1,587 |
| 250/500 | $1,839 |
| 100 CSL | $1,528 |
| 300 CSL | $1,742 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,470 |
| 20 | $5,218 |
| 30 | $3,144 |
| 40 | $3,072 |
| 50 | $2,928 |
| 60 | $2,904 |
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 | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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