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, 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. Teenage 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:

Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all 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 densely populated cities.

The example below illustrates how your location can change insurance prices.

The examples above highlight why everyone should compare rates for a targeted area, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount 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
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $394 each year
• High-risk insureds who are prone to accidents and violations could pay up to $3,072 or more
• Policy cost that insures a teenage driver for full coverage 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 model 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. Audi S4 insurance for high-risk drivers can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver 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 much higher 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 be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $600 a year, whereas buying more liability protection 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 regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, 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 Affordable Audi S4 Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The items below are a brief review of the data that was illustrated above.

• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Consumers who want more liability coverage will pay an extra $430 per year to go from a 30/60 limit to the 250/500 level
• Teen drivers have the highest car insurance rates, with premiums being up to $434 each month if full coverage is purchased
• Drivers with DUI or reckless driving convictions could be charged and average of $1,660 more annually to insure their S4