Audi S4 Insurance Rates

Estimated auto insurance rates for an Audi S4 are $1,412 annually with full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability is $388. Liability-only insurance costs around $434 a year, with high-risk driver insurance costing $3,072 or more. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 liability limits, and includes UM/UIM and medical 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

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below details estimated 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 $202 annually
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,412
• Using pricier low deductibles costs an additional $394 annually
• Drivers who are prone to accidents and violations could pay at least $3,072 or more
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can be $5,212

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Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driving record, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at least $1,700 to $2,300 additional annually, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $600 annually, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

Where you choose to live also has a big influence on Audi S4 insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

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With such a large range in prices, the best way to find out your exact price is to regularly compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, and prices will be substantially different between companies.

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 Buy More Affordable Audi S4 Insurance

Finding better rates on insurance for an Audi S4 consists of being a low-risk driver, having good credit, being claim-free, and taking advantage of discounts. Set aside time to shop around at every policy renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

The items below are a summary of the data raised in the charts and tables above.

• Insureds who may need more liability coverage will pay an extra $430 every year to raise from 30/60 bodily injury limits to higher 250/500 limits
• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $600 each year
• Teen drivers are charged the highest prices, possibly costing $434 per month if they have full coverage