Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months for full coverage insurance. Comprehensive insurance costs around $300 a year, collision insurance costs $588, and liability coverage is $388. A liability-only policy costs around $434 a year, and high-risk insurance 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:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates 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 $1,210 each year
• The average price for a good driver age 40 using $500 deductibles is $1,412
• Using low $100 deductibles costs an extra $394 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $3,072
• Policy cost to insure a teenage driver can be $5,212

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $600 a year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged as much as $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 probably paying at least $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

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 More Affordable Audi S4 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and consideration of higher deductibles. Set aside time to compare rates once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a summary of the data that was covered above.

• It is possible to save up to $170 per year just by quoting early and online
• Consumers who may need increased liability limits will pay an extra $430 annually to raise from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are the costliest to insure, possibly costing $434 each month if the policy includes full coverage
• Drivers who have multiple accidents or major violations may pay on average $1,660 more every year to insure an Audi S4