Audi S4 Insurance Rates
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UPDATED: Jun 6, 2023
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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:
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.
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.
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
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.
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% |
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
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.
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
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $1,870 |
$250 | $1,678 |
$500 | $1,456 |
$1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
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
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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