Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually for full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability is $388. Liability-only insurance costs around $434 a year, with high-risk driver insurance costing $3,072 or more. Teenage drivers pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates for individual coverage:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different S4 trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Details

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

• The best discount rate is $795
• Raising to $1,000 deductibles will save about $202 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,412
• Using more expensive low deductibles costs an additional $394 annually
• Drivers who are prone to accidents and violations could pay at least $3,072 or more
• The price with full coverage for a 16-year-old driver with full coverage can be $5,212

View Chart as Image

Car insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 extra each year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $600 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Audi S4 insurance prices. A middle-age driver might find prices as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

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 Buy the Best Cheap Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 consists of being a good driver, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at every other renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following list is a quick review of the concepts that were covered in the above illustrations.

• Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,660 more every year than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $434 a month if comprehensive and collision insurance is included
• Drivers can save up to $170 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $600 each year
• Drivers can save up to $170 per year simply by shopping early and online