Audi S4 Insurance Rates

Estimated auto insurance rates for an Audi S4 are $1,412 annually for full coverage. Comprehensive insurance costs on average $300 a year, collision insurance costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, and high-risk coverage costs $3,072 or more. Teenage drivers pay the most at up to $5,212 a year.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Prices include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences show why it is important to compare prices based on a specific location and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below shows average Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Using higher $1,000 deductibles will save around $1,210 a year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,412
• Using low $100 deductibles for physical damage coverage costs an additional $394 every year
• Drivers who are prone to accidents and violations could pay upwards of $3,072
• An auto insurance policy with full coverage for a teen driver may cost $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driver profile, and policy deductibles and limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $600 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Buy the Right Audi S4 Insurance

Finding better rates on car insurance requires having a good driving record, having a good credit history, not filing small claims, and determing if full coverage is necessary. Set aside time to compare rates every couple of years by getting price quotes from direct carriers, and also from local insurance agents.

The next list is a quick rundown of the material that was covered above.

• Policyholders who require increased levels of liability coverage will pay an extra $430 each year to increase from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 20 and younger pay the highest prices, as much as $434 per month including comprehensive and collision insurance
• Higher risk drivers with reckless driving or DUI convictions may be required to pay an average of $1,660 more each year to buy Audi S4 insurance
• Increasing policy deductibles could save up to $600 each year