Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive insurance costs approximately $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. Teens cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Analysis

The chart below breaks down average Audi S4 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save $1,210 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,412
• Selecting low $100 deductibles for physical damage coverage costs an extra $394 annually
• High-risk insureds with serious driving violations could pay around $3,072
• Policy cost to insure a 16-year-old driver can cost $5,212 or more

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $600 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 were responsible for an accident, you are likely paying anywhere from $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than the average policy. View High Risk Driver Rates

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

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 Shop for Affordable Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the information touched on in this article.

• You may be able to save around $170 per year just by quoting early and online
• Teenage drivers are the costliest to insure, with premiums being up to $434 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers considered higher risk with DUI or reckless driving convictions could be charged and average of $1,660 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay approximately $430 per year to increase from a 30/60 limit to a 250/500 level