Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive costs an estimated $300 each year, collision costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $3,072. Teen drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area and their own driving history, instead of using price averages.

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

Additional Rate Details

The chart below breaks down estimated Audi S4 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save approximately $202 every year
• The average price for a good driver age 40 who has $500 deductibles is $1,412
• Choosing low deductibles for physical damage coverage increases the price to $1,806
• Drivers with multiple violations and an at-fault accident could pay up to $3,072 or more
• Policy cost to insure a teen driver can cost as much as $5,212 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $600 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,700 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% more than average. View High Risk Driver Rates

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 Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each insurance company uses a different rate calculation, and rates will be varied.

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 Shop for the Right Audi S4 Insurance

Finding cheaper rates on car insurance requires having a decent driving record, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to compare rates every year by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a quick rundown of the coverage data covered above.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $434 each month if full coverage is included
• Higher risk drivers with reckless driving or DUI convictions may have to pay on average $1,660 more annually than a driver with a clean driving record