Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

The ranges above show why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rates by State, City, and Model

The chart below shows estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $202 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,412
• Using pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,806
• Drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• The price for full coverage for a 16-year-old driver for full coverage may cost $5,212 a year

View Chart as Image

Car insurance prices for an Audi S4 are also quite variable based on your driving record, the trim level of your S4, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as low as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay 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.

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Using high physical damage deductibles could save up to $600 annually, whereas buying more liability protection will cost you more. Going from a 50/100 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

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Audi S4 insurance for high-risk drivers can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Every company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

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 the Right Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following items are a quick rundown of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk with reckless driving or DUI convictions will pay on average $1,660 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $434 a month if full coverage is included
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles can save around $600 each year
• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date