Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs on average $300, collision costs $588, and liability is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers 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 by type of insurance:

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Raising to $1,000 deductibles will save around $202 each year
• The estimated price for a good driver age 40 with $500 deductibles is $1,412
• Using more expensive low deductibles will cost an additional $394 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• Policy cost that insures a 16-year-old driver with full coverage may cost $5,212

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay upwards of $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, so the 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 the Best Cheap Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 consists of having a good driving record, having above-average credit, being claim-free, and bundling your home and auto policies. Compare prices every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The next list is a quick review of the information touched on in this article.

• It is possible to save as much as $170 per year simply by shopping early and online
• Drivers age 20 and younger pay the highest rates, possibly costing $434 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers considered higher risk with a DUI or reckless driving violation may pay on average $1,660 more each year to buy Audi S4 insurance
• Insureds who require increased levels of liability coverage will pay an extra $430 annually to raise from a 30/60 limit to the 250/500 level