Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 U.S. states and S4 models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

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

The ranges above highlight why all drivers should compare rates quotes using their specific location, 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 additional coverage and risk scenarios.

• The best discount rate is $795
• Raising to $1,000 deductibles will save $202 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $1,412
• Using low deductibles will cost an additional $394 each year
• Unlucky drivers who are prone to accidents and violations could pay around $3,072 or more
• The price that insures a teenage driver can cost $5,212

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices 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 can reduce prices by up to $600 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, 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 Find the Cheapest Audi S4 Insurance

Getting lower rates on auto insurance consists of avoiding accidents and violations, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare prices once a year by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The list below is a recap of the data that was covered in the above illustrations.

• You may be able to save around $170 per year simply by quoting online in advance
• Consumers who purchase higher liability limits will pay an extra $430 per year to raise from a low limit to the 250/500 level
• Teenagers are the costliest to insure, possibly costing $434 a month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents will likely pay on average $1,660 more per year for car insurance