Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive costs on average $300 a year, collision costs $588, and liability costs around $388. Liability-only insurance costs as low as $434 a year, with high-risk driver insurance costing around $3,072. 16-year-old drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below breaks down estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $795
• Using higher $1,000 deductibles will save around $1,210 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,412
• Buying low $100 deductibles for physical damage coverage will increase the cost to $1,806
• High-risk insureds with multiple tickets or accidents could pay upwards of $3,072 or more
• Policy cost for full coverage for a 16-year-old driver may cost $5,212 or more

View Chart as Image

Auto insurance rates for an Audi S4 also range considerably based on your risk profile, the model of your S4, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $600 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.

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 the Cheapest Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 requires avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

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

• Insureds who require increased liability limits will pay around $430 per year to increase from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $434 each month if they have full coverage
• Drivers considered higher risk that have major violations or accidents may pay on average $1,660 more each year to insure an Audi S4
• Increasing comprehensive and collision deductibles can save around $600 each year