Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually with full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability insurance is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing $3,072 or more. 16-year-old drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of insurance. Rural locations are shown to have fewer collision claims than congested cities.

The example below illustrates how your location can change auto insurance prices.

The examples above demonstrate why everyone should compare rates quotes using their specific location and their own personal driving habits, rather than relying on rate averages.

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 additional coverage and risk scenarios.

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save $202 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,412
• Buying pricier low deductibles costs an additional $394 a year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,072 or more
• Policy cost with full coverage for a teen driver for full coverage can cost $5,212

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Insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 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 anywhere from $1,700 to $2,300 extra every year, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce rates by up to $600 each year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or at least $1,900 on average in New York, Michigan, and Florida.

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Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the rates will be varied between companies.

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 Cheap Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance consists of having a good driving record, having a good credit history, not filing small claims, and maximizing policy discounts. Invest the time to shop around once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a brief summary of the data that was illustrated above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Drivers who purchase increased levels of liability coverage will pay around $430 every year to raise from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, as much as $434 each month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations may pay on average $1,660 more per year to buy Audi S4 insurance