Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive costs approximately $300 a year, collision insurance costs $588, and liability coverage is $388. Buying just liability costs around $434 a year, and insurance for high-risk drivers costs around $3,072. Teens cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, bodily injury 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

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates how location impacts auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Audi S4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save $1,210 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,412
• Selecting low $100 deductibles bumps up the cost to $1,806
• Unlucky drivers with serious driving violations could pay around $3,072
• Policy cost that insures a teenage driver can cost $5,212

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level of your S4, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 a year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

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 Find Cheaper Audi S4 Insurance

Finding cheaper rates on auto insurance consists of avoiding accidents and violations, having above-average credit, being claim-free, and possibly raising deductibles. Compare rates every other policy renewal by requesting rates from direct insurance companies, and also from your local car insurance providers.

The list below is a condensed summary of the ideas that were touched on above.

• Teenagers are expensive to insure, possibly costing $434 each month if full coverage is included
• Drivers with multiple at-fault accidents could be charged and average of $1,660 more per year for car insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• It is possible to save around $170 per year just by quoting early and online