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 an estimated $300 a year, collision costs $588, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $3,072 or more. 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:

These estimates include $500 deductibles, split 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

Living in a larger city has a large influence on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than larger metro areas.

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

The examples above illustrate why it is important to get quotes for a targeted area and their own driving history, rather than using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save approximately $1,210 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,412
• Choosing low $100 deductibles for comp and collision coverage costs an extra $394 each year
• Drivers with multiple violations and an at-fault accident could pay up to $3,072 or more
• Policy cost to insure a teenage driver can cost as much as $5,212 each year

View Chart as Image

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

Choosing high deductibles can save as much as $600 a year, while buying higher liability limits will increase premiums. Switching 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

Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 annually on average, 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 probably paying $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer 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 Cheap Audi S4 Insurance

Finding cheaper rates on auto insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at least once a year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a brief summary of the primary concepts that were covered in the above illustrations.

• It is possible to save approximately $170 per year simply by quoting early and online
• Drivers that tend to have accidents or serious violations could be forced to pay on average $1,660 more annually for S4 insurance
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Teens are expensive to insure, possibly costing $434 each month if full coverage is included