Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs an estimated $312 a year, collision costs $624, and liability insurance is $384. Liability-only coverage costs around $432 a year, with high-risk coverage costing around $3,174. Teens pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have lower incidents of collision claims than cities with more traffic congestion.

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

These rate differences demonstrate why it is important to compare rates quotes for a targeted area, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below details estimated Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $816
• Raising to $1,000 deductibles will save approximately $1,244 annually
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,456
• Selecting low $100 deductibles bumps up the cost to $1,870
• Higher-risk drivers with serious driving violations could pay up to $3,174 or more
• An auto insurance policy that insures a teen driver can cost as much as $5,356

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the trim level of your S4, your age and driving habits, and liability limits and deductibles.

If you have a few violations or you caused an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 130% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $630 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out which insurance company is cheapest is to get quotes from as many companies as possible. Every auto insurance company calculates prices differently, so the prices will be substantially different.

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 Cheapest Audi S4 Insurance

Finding better rates on Audi S4 insurance consists of having a decent driving record, having above-average credit, being claim-free, and taking advantage of discounts. Compare rates every couple of years by quoting rates from direct companies, and also from insurance agencies where you live.

The following items are a recap of the material that was covered above.

• Drivers who want additional liability coverage will pay approximately $420 every year to raise from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, possibly costing $446 per month if full coverage is included
• High-risk drivers that have major violations or accidents could be forced to pay on average $1,720 more annually than a driver with a clean driving record
• Increasing policy deductibles can save approximately $625 each year