Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs an estimated $300, collision costs $588, and liability coverage costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage 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 broken down by type of insurance:

Price estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how rural and urban location affects insurance prices.

The examples above highlight why everyone should compare prices for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $795
• Using higher $1,000 deductibles will save approximately $202 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,412
• Using pricier low deductibles for physical damage coverage will cost an additional $394 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,072 or more
• Policy cost that insures a teenage driver for full coverage can cost as much as $5,212 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,700 to $2,300 additional every year, depending on your age. Audi S4 insurance for high-risk drivers can be around 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and 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 Find Cheaper Audi S4 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Compare prices every other policy renewal by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a condensed summary of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are expensive to insure, with premiums being up to $434 each month if comprehensive and collision insurance is included
• Drivers with multiple at-fault accidents could be charged and average of $1,660 more annually to insure an Audi S4
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date