Audi S4 Insurance Rates

U.S. average insurance prices for an Audi S4 are $1,412 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $300, collision costs $588, and liability coverage costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing $3,072 or more. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of auto insurance. Rural locations have more infrequent physical damage claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

The ranges above illustrate why everyone should compare prices using their specific location and their own driving history, rather than using averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save $202 each year
• The average price for the average middle-age driver who chooses $500 deductibles is $1,412
• Selecting pricier low deductibles for physical damage coverage costs an extra $394 each year
• Higher-risk drivers with serious driving violations could pay around $3,072 or more
• The price to insure a teenage driver for full coverage can cost $5,212 or more

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Insurance prices for an Audi S4 are also quite variable based on deductibles and policy limits, your risk profile, and the model of your S4.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Audi S4 insurance for high-risk drivers can be around 44% to 134% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, and prices may be quite 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 Shop for Low Cost Audi S4 Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having above-average credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates at least once a year by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below is a review of the primary concepts that were covered in the above illustrations.

• It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
• Drivers who have several accidents or serious violations may have to pay on average $1,660 more per year for auto insurance
• Increasing physical damage deductibles could save as much as $600 each year
• Teenage drivers are the costliest to insure, as much as $434 a month if full coverage is included