Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs an estimated $300 a year, collision insurance costs $588, and liability costs $388. A policy with only liability insurance costs as little as $434 a year, and a high-risk policy costs around $3,072. Teenage drivers pay the most at up to $5,212 a year.

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

These rate differences demonstrate why it is important to compare rates for a targeted area and risk profile, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below details average Audi S4 insurance rates for other coverage scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $1,210 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,412
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,806
• Drivers who are prone to accidents and violations could pay up to $3,072
• An auto insurance policy for full coverage for a 16-year-old driver can cost as much as $5,212 a year

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Car insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

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Using high physical damage deductibles could save up to $600 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

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 Low Cost Audi S4 Insurance

Finding better rates on insurance for an Audi S4 not only requires avoiding accidents and claims, but also having above-average credit, being claim-free, and possibly higher deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the ideas that were covered above.

• Drivers under the age of 20 have the highest car insurance prices, possibly costing $434 per month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,660 more annually to insure an Audi S4
• Increasing policy deductibles can save around $600 each year
• You may be able to save approximately $170 per year just by quoting early and online