Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,456 every 12 months for full coverage. Comprehensive insurance costs an estimated $312 a year, collision insurance costs $624, and liability costs around $384. Liability-only coverage costs as low as $432 a year, and high-risk coverage costs $3,174 or more. Teens cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how location helps determine insurance prices.

The examples above show why it is important to compare prices for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

The chart below shows average Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $816
• Using higher $1,000 deductibles will save approximately $1,244 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,456
• Selecting low $100 deductibles for physical damage coverage costs an extra $414 annually
• High-risk insureds with serious driving violations could pay up to $3,174
• Policy cost to insure a 16-year-old driver can cost as much as $5,356 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $630 annually, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can be from 45% to 130% more than the average policy. 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 $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

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 Low Cost Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Invest time comparing rates at every other renewal by requesting rates from direct carriers, and also from several local insurance agents.

Below is a review of the concepts that were covered in the charts and tables above.

• Drivers considered higher risk who have several accidents or serious violations pay on average $1,720 more annually for auto insurance
• Teenage drivers are expensive to insure, costing up to $446 each month if full coverage is included
• Drivers can save approximately $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $625 each year
• Drivers can save approximately $180 per year just by quoting early and online