Audi S4 Insurance Rates
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UPDATED: Jun 6, 2023
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Estimated insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive insurance costs approximately $312 a year, collision costs $624, and liability coverage is estimated at $384. Liability-only coverage costs approximately $432 a year, with high-risk coverage costing $3,174 or more. 16-year-old drivers pay the most at $5,356 a year or more.
Average premium for full coverage: $1,456
Premium estimates by type of coverage:
Includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and S4 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for an Audi S4 go from the low end price of $432 for minimum levels of liability insurance to a high of $3,174 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than congested cities.
The diagram below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why it is important to get quotes using their specific location, rather than using rate averages.
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.
Additional Rate Details
The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $816
- Choosing higher $1,000 deductibles can save $1,244 each year
- The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,456
- Buying low $100 deductibles for comp and collision coverage will cost an additional $414 each year
- Drivers with multiple tickets or accidents could pay around $3,174 or more
- An auto insurance policy that insures a teenage driver can cost $5,356 each year
Insurance prices for an Audi S4 also have a wide range 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 violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy ranges around 45% to 130% more than the average rate. View High Risk Driver Rates
Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,960 on average in Florida, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles can save as much as $630 a year, while buying higher liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit
With such a large range in prices, the only way to figure out who has the best car insurance prices is to get quotes and see how they stack up. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
| 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 2018 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2018 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2014 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2010 Audi S4 | $212 | $326 | $402 | $1,076 |
| 2009 Audi S4 | $200 | $296 | $402 | $1,034 |
| 2007 Audi S4 | $190 | $260 | $390 | $976 |
| 2006 Audi S4 | $188 | $248 | $384 | $956 |
| 2004 Audi S4 | $166 | $224 | $376 | $902 |
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 Find the Cheapest Audi S4 Insurance
Finding better rates on auto insurance takes being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Comparison shop at every other renewal by requesting rates from direct insurance companies, and also from your local car insurance providers.
Below is a recap of the concepts that were presented in the illustrations above.
- Drivers that have major violations or accidents could be charged and average of $1,720 more per year for auto insurance
- Teenage drivers are expensive to insure, with premiums being up to $446 per month if full coverage is included
- It is possible to save around $180 per year simply by quoting early and online
- Increasing policy deductibles can save approximately $625 each year
- It is possible to save around $180 per year simply by quoting early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,870 |
| $250 | $1,678 |
| $500 | $1,456 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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