Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive costs an estimated $300 a year, collision costs $588, and liability is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing around $3,072. Teens 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:

Prices include $500 deductible amounts, bodily injury liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects insurance prices.

The examples above highlight why it is important to compare rates quotes for a targeted area, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save approximately $1,210 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,412
• Selecting low $100 deductibles bumps up the cost to $1,806
• Drivers with serious driving violations could pay up to $3,072 or more
• Policy cost that insures a 16-year-old driver can cost as much as $5,212

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 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 pay as low as $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 at least $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $600 annually, while buying higher liability limits will increase premiums. Changing 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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company calculates rates differently, so the 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 Find the Right Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 consists of having a good driving record, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Compare rates every other policy renewal by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The next list is a quick rundown of the ideas that were presented in the illustrations above.

• Drivers age 20 and younger are charged the highest rates, with premiums being up to $434 each month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,660 more annually to buy Audi S4 insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• You may be able to save approximately $170 per year simply by quoting early and online