Audi S4 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

The average auto insurance rates for an Audi S4 are $1,456 annually with full coverage. Comprehensive insurance costs on average $312, collision costs $624, and liability is estimated at $384. Liability-only insurance costs approximately $432 a year, with high-risk driver insurance costing $3,174 or more. Teen drivers cost the most to insure at $5,356 a year or more.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Comprehensive $312
Collision $624
Liability $384

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and for different S4 trim levels.

Price Range Variability

For a driver around age 40, Audi S4 insurance rates go from as cheap as $432 for a discount liability-only rate to a much higher rate of $3,174 for a driver who requires high-risk insurance.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on car insurance rates.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of using price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

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

  • The lowest rate with discounts is $816
  • Choosing higher $1,000 deductibles can save around $212 annually
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,456
  • Choosing more expensive low deductibles for comp and collision coverage costs an additional $414 every year
  • Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $3,174 or more
  • Policy cost with full coverage for a teen driver with full coverage may cost $5,356 each year

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance prices range from $816 to $5,356

Auto insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance ranges as much as 45% to 130% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $630 every year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,050 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,960 on average in Florida, Michigan, and New York.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,314 -$142 -9.8%
Alaska $1,116 -$340 -23.4%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,658 $202 13.9%
Colorado $1,388 -$68 -4.7%
Connecticut $1,494 $38 2.6%
Delaware $1,646 $190 13.0%
Florida $1,820 $364 25.0%
Georgia $1,346 -$110 -7.6%
Hawaii $1,046 -$410 -28.2%
Idaho $986 -$470 -32.3%
Illinois $1,084 -$372 -25.5%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,200 -$256 -17.6%
Massachusetts $1,160 -$296 -20.3%
Michigan $2,526 $1,070 73.5%
Minnesota $1,220 -$236 -16.2%
Mississippi $1,742 $286 19.6%
Missouri $1,292 -$164 -11.3%
Montana $1,562 $106 7.3%
Nebraska $1,146 -$310 -21.3%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,626 $170 11.7%
New Mexico $1,288 -$168 -11.5%
New York $1,532 $76 5.2%
North Carolina $836 -$620 -42.6%
North Dakota $1,192 -$264 -18.1%
Ohio $1,002 -$454 -31.2%
Oklahoma $1,494 $38 2.6%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,078 -$378 -26.0%
Vermont $994 -$462 -31.7%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,006 -$450 -30.9%
Wyoming $1,296 -$160 -11.0%

View Chart as Image

Audi S4 insurance rates by U.S. city

Because rates have so much variability, the best way to find out exactly what you will pay is to compare rates and see which company has the best rate. Each auto insurer uses a different rate calculation, and quoted rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,456 $121
Audi S4 Quattro 4-Dr Sedan $1,456 $121

Rates assume 2018 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.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Audi S4 $312 $624 $384 $1,456
2014 Audi S4 $260 $454 $394 $1,244
2010 Audi S4 $212 $326 $402 $1,076
2009 Audi S4 $200 $296 $402 $1,034
2007 Audi S4 $190 $260 $390 $976
2006 Audi S4 $188 $248 $384 $956
2004 Audi S4 $166 $224 $376 $902

Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy More Affordable Audi S4 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to compare rates at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The points below are a summary of the concepts that were covered above.

  • Higher risk drivers who have multiple accidents or major violations pay an average of $1,720 more each year to insure an Audi S4
  • Drivers under the age of 20 are charged the highest rates, as much as $446 each month if full coverage is included
  • You may be able to save as much as $180 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $625 each year
  • You may be able to save as much as $180 per year simply by shopping early and online

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,356
20 $3,382
30 $1,526
40 $1,456
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,533
100/300 $1,629
250/500 $1,878
100 CSL $1,571
300 CSL $1,782
500 CSL $1,936

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,686
20 $5,390
30 $3,252
40 $3,174
50 $3,024
60 $3,000

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $96
Paid in Full/EFT $71
Advance Quote $75
Online Quote $106
Total Discounts $640
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles