Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,456 every 12 months with full coverage. Comprehensive insurance costs an estimated $312, collision costs $624, and liability coverage costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing $3,174 or more. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $816
• Using higher $1,000 deductibles will save approximately $212 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,456
• Using pricier low deductibles for physical damage coverage costs an extra $414 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,174 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost as much as $5,356 or more

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Insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model year and trim level.

Using high physical damage deductibles could cut prices by as much as $630 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. Audi S4 insurance for high-risk drivers can be around 45% to 130% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different.

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 Cheaper Audi S4 Insurance

Finding better rates on auto insurance requires avoiding accidents and claims, having good credit, being claim-free, and taking advantage of discounts. Take the time to compare rates at least every other year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a condensed summary of the car insurance concepts covered in the above illustrations.

• Drivers with multiple at-fault accidents may pay on average $1,720 more annually to insure an Audi S4
• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $625 each year
• Consumers who want increased liability limits will pay an extra $420 every year to increase from 30/60 bodily injury limits to a 250/500 level