Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually with full coverage. Comprehensive insurance costs approximately $300 each year, collision costs $588, and liability costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Rates are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and S4 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The ranges above demonstrate why all drivers should compare prices using their specific location and their own personal driving habits, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save $202 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Selecting low deductibles for physical damage coverage costs an additional $394 every year
• Drivers with serious driving violations could pay around $3,072 or more
• The price with full coverage for a teen driver can cost $5,212 or more

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Insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to do a rate comparison and see which company has the best price. Each insurance company calculates prices differently, so the prices 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 car insurance requires having a good driving record, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to compare rates every other policy renewal by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The next list is a quick review of the ideas that were covered above.

• Drivers age 20 and younger are expensive to insure, costing up to $434 a month including comprehensive and collision insurance
• Higher risk drivers with a DUI or reckless driving violation may pay on average $1,660 more per year to buy Audi S4 insurance
• Increasing physical damage deductibles could save up to $600 each year
• You may be able to save around $170 per year simply by quoting online in advance