Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs an estimated $300 each year, collision costs $588, and liability coverage costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $3,072 or more. 16-year-old 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:

Includes $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

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

The examples above highlight why all drivers should compare rates for a targeted area, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $202 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,412
• Buying low deductibles for comprehensive and collision insurance will cost an additional $394 each year
• High-risk insureds with multiple tickets or accidents could pay up to $3,072 or more
• Policy cost that insures a teenage driver can cost as much as $5,212 a year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on the trim level and model year, 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. Insurance for high-risk drivers can cost around 44% to 134% more than the average rate. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $5,200 a year. View Rates by Age

Your home state makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $600 a year, whereas increasing 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 extra every 12 months. 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 do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so rate quotes 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 Cheapest Audi S4 Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop at least every other year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The next list is a recap of the car insurance concepts covered in the above illustrations.

• Drivers that have major violations or accidents could be charged and average of $1,660 more annually to buy Audi S4 insurance
• You may be able to save approximately $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Consumers who want increased levels of liability coverage will pay around $430 per year to go from a 30/60 limit to the 250/500 level