Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs around $300 each year, collision insurance costs $588, and liability insurance is $388. Liability-only coverage costs around $434 a year, and high-risk coverage costs $3,072 or more. Teenage drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than densely populated cities. The graphic below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why all drivers should compare rates quotes for a specific zip code, rather than relying on average rates.

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

Additional Charts and Tables

The chart below details average Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Raising to $1,000 deductibles will save about $202 annually
• The estimated price for a good driver age 40 using $500 deductibles is $1,412
• Using low deductibles will cost an additional $394 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,072
• Policy cost that insures a teen driver can be $5,212

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than a normal 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 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 each year, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

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 Low Cost Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare prices every time your policy renews by requesting rates from direct companies, and also from your local independent and exclusive agents.

The list below is a review of the information presented in the illustrations above.

• You may be able to save up to $170 per year just by quoting online in advance
• Teenagers are charged the highest rates, as much as $434 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• High-risk drivers who have several accidents or serious violations may pay on average $1,660 more every year for car insurance
• Drivers who may need higher liability limits will pay an extra $430 every year to raise from a 30/60 limit to the 250/500 level