Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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The average auto insurance rates for an Audi S4 are $1,456 annually for full coverage. Comprehensive insurance costs around $312, collision costs $624, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing $3,174 or more. Teens cost the most to insure at $5,356 a year or more.

Average premium for full coverage: $1,456

Policy rates for type of insurance:

Comprehensive $312
Collision $624
Liability $384

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all S4 models.

Price Range Variability

For a driver around age 40, Audi S4 insurance rates go from as cheap as $432 for your basic liability-only policy to the much higher price of $3,174 for a driver that may need high-risk insurance.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The examples above show why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below shows estimated Audi S4 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $816
  • Using higher $1,000 deductibles will save about $212 a year
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,456
  • Selecting pricier low deductibles for physical damage coverage costs an additional $414 every year
  • Drivers with serious driving violations could pay at least $3,174 or more
  • Policy cost with full coverage for a teen driver for full coverage can be $5,356 or more

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance prices range from $816 to $5,356

Insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,700 to $2,400 additional every year, depending on your age. Audi S4 insurance for high-risk drivers can be as much as 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $630 every year, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,314 -$142 -9.8%
Alaska $1,116 -$340 -23.4%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,658 $202 13.9%
Colorado $1,388 -$68 -4.7%
Connecticut $1,494 $38 2.6%
Delaware $1,646 $190 13.0%
Florida $1,820 $364 25.0%
Georgia $1,346 -$110 -7.6%
Hawaii $1,046 -$410 -28.2%
Idaho $986 -$470 -32.3%
Illinois $1,084 -$372 -25.5%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,200 -$256 -17.6%
Massachusetts $1,160 -$296 -20.3%
Michigan $2,526 $1,070 73.5%
Minnesota $1,220 -$236 -16.2%
Mississippi $1,742 $286 19.6%
Missouri $1,292 -$164 -11.3%
Montana $1,562 $106 7.3%
Nebraska $1,146 -$310 -21.3%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,626 $170 11.7%
New Mexico $1,288 -$168 -11.5%
New York $1,532 $76 5.2%
North Carolina $836 -$620 -42.6%
North Dakota $1,192 -$264 -18.1%
Ohio $1,002 -$454 -31.2%
Oklahoma $1,494 $38 2.6%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,078 -$378 -26.0%
Vermont $994 -$462 -31.7%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,006 -$450 -30.9%
Wyoming $1,296 -$160 -11.0%

View Chart as Image

Audi S4 insurance rates by U.S. city

Because rates have so much variability, the only way to know your exact price is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, and rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,456 $121
Audi S4 Quattro 4-Dr Sedan $1,456 $121

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.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S4 $384 $750 $332 $1,602
2023 Audi S4 $370 $744 $338 $1,588
2022 Audi S4 $356 $726 $354 $1,572
2021 Audi S4 $344 $696 $364 $1,540
2020 Audi S4 $326 $672 $376 $1,510
2019 Audi S4 $312 $624 $384 $1,456
2018 Audi S4 $300 $588 $388 $1,412
2016 Audi S4 $270 $484 $390 $1,280
2014 Audi S4 $254 $424 $402 $1,216
2010 Audi S4 $200 $296 $402 $1,034
2009 Audi S4 $194 $266 $398 $994
2007 Audi S4 $188 $248 $384 $956
2006 Audi S4 $172 $236 $380 $924

Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Audi S4 Insurance

Finding cheaper rates on car insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates once a year by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a recap of the data that was covered above.

  • Drivers can save up to $180 per year simply by quoting online well ahead of the renewal date
  • Policyholders who may need more liability coverage will pay approximately $420 each year to increase from a 30/60 limit to higher 250/500 limits
  • Teen drivers are charged the highest rates, costing up to $446 each month if they have full coverage
  • Higher risk drivers that have major violations or accidents pay an average of $1,720 more every year to insure their S4

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,356
20 $3,382
30 $1,526
40 $1,456
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,533
100/300 $1,629
250/500 $1,878
100 CSL $1,571
300 CSL $1,782
500 CSL $1,936

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,686
20 $5,390
30 $3,252
40 $3,174
50 $3,024
60 $3,000

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $96
Paid in Full/EFT $71
Advance Quote $75
Online Quote $106
Total Discounts $640
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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