Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive insurance costs approximately $300 each year, collision costs $588, and liability costs around $388. Liability-only insurance costs as low as $434 a year, with high-risk driver 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 by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

The examples above demonstrate why all drivers should compare prices using their specific location and their own driving history, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save $202 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,412
• Using low deductibles for physical damage coverage costs an extra $394 every year
• Drivers who are prone to accidents and violations could pay around $3,072 or more
• Policy cost to insure a teen driver can cost $5,212 or more

View Chart as Image

Auto insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your driving record, and the model of your S4.

Using high physical damage deductibles could cut rates by as much as $600 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates 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 Shop for More Affordable Audi S4 Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having a good credit score, not filing small claims, and not having any coverage lapses. Spend time shopping around at least once a year by requesting quotes from direct companies, and also from insurance agencies where you live.

Below you'll find a summary of the primary concepts that were touched on above.

• You may be able to save around $170 per year simply by quoting online in advance
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $1,660 more per year than a low-risk driver
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Youthful drivers have the highest car insurance rates, as much as $434 each month if comprehensive and collision insurance is included