Audi S4 Insurance Rates

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

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Rate estimates include $500 deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 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 prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below breaks down estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $816
• Using higher $1,000 deductibles will save $212 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Using pricier low deductibles for physical damage coverage increases the price to $1,870
• Higher-risk drivers who are prone to accidents and violations could pay around $3,174 or more
• An auto insurance policy to insure a teenage driver for full coverage can cost $5,356 or more

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Auto insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model of your S4.

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

A more mature driver with a good 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 will have to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,700 to $2,400 in extra premium 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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted 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 the Best Audi S4 Insurance

Finding better rates on auto insurance requires not taking risks behind the wheel, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Take the time to comparison shop once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a brief recap of the data that was touched on in the above illustrations.

• You may be able to save around $180 per year simply by quoting online well ahead of the renewal date
• Consumers who purchase higher liability limits will pay an extra $420 per year to increase from 30/60 bodily injury limits to a 250/500 level
• Teens have the highest car insurance prices, with the cost nearing $446 per month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations could be charged and average of $1,720 more per year for S4 insurance