Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs an estimated $300, collision costs $588, and liability insurance is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing $3,072 or more. 16-year-old drivers pay the highest rates at $5,212 a year or more.
Average premium for full coverage: $1,412
Price estimates broken down by individual coverage:
Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 states and for all S4 models.
Price Range from Low to High
For a 40-year-old driver, Audi S4 insurance prices go from the low end price of $434 for just liability insurance to the much higher price of $3,072 for coverage for higher-risk drivers.
Geographic Price Range
Living in a larger city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than congested cities.
The example below illustrates how your location can change insurance prices.
The ranges above illustrate why everyone should get quotes for a targeted area, rather than relying on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below illustrates estimated Audi S4 insurance rates for other coverage scenarios.
- The best full coverage rate is $795
- Choosing higher $1,000 deductibles can save approximately $202 each year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,412
- Buying pricier low deductibles for comp and collision coverage will cost an additional $394 a year
- High-risk insureds with multiple tickets or accidents could pay up to $3,072 or more
- The price that insures a teen driver for full coverage can cost as much as $5,212 each year
Insurance prices for an Audi S4 are also quite variable based on the model of your S4, your age and driving record, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are probably paying $1,700 to $2,300 additional each year, depending on your age. Audi S4 insurance for high-risk drivers ranges anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age
The state you live in plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$138 | -9.8% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,344 | -$68 | -4.8% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,594 | $182 | 12.9% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,014 | -$398 | -28.2% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $950 | -$462 | -32.7% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $870 | -$542 | -38.4% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,182 | -$230 | -16.3% |
| Mississippi | $1,690 | $278 | 19.7% |
| Missouri | $1,252 | -$160 | -11.3% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,690 | $278 | 19.7% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,576 | $164 | 11.6% |
| New Mexico | $1,246 | -$166 | -11.8% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $810 | -$602 | -42.6% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,292 | -$120 | -8.5% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,232 | -$180 | -12.7% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,042 | -$370 | -26.2% |
| Vermont | $964 | -$448 | -31.7% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $974 | -$438 | -31.0% |
| Wyoming | $1,254 | -$158 | -11.2% |
Opting for high physical damage deductibles can save as much as $600 each year, whereas buying more liability protection will increase premiums. Switching 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 only way to figure out which car insurance is cheapest is to regularly compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2023 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2022 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2021 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2020 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2019 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2018 Audi S4 | $288 | $526 | $390 | $1,340 |
| 2016 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2014 Audi S4 | $234 | $394 | $402 | $1,166 |
| 2010 Audi S4 | $194 | $266 | $398 | $994 |
| 2009 Audi S4 | $190 | $260 | $390 | $976 |
| 2007 Audi S4 | $172 | $236 | $380 | $924 |
| 2006 Audi S4 | $166 | $224 | $376 | $902 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Audi S4 Insurance
Getting lower rates on Audi S4 insurance takes having a decent driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop at least once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.
The following items are a quick review of the primary concepts that were illustrated above.
- It is possible to save approximately $170 per year simply by quoting online well ahead of the renewal date
- High-risk drivers with a DUI or reckless driving violation may have to pay on average $1,660 more annually than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $600 each year
- 16 to 18-year-old drivers are expensive to insure, as much as $434 a month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,212 |
| 20 | $3,272 |
| 30 | $1,476 |
| 40 | $1,412 |
| 50 | $1,288 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,806 |
| $250 | $1,622 |
| $500 | $1,412 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,490 |
| 100/300 | $1,587 |
| 250/500 | $1,839 |
| 100 CSL | $1,528 |
| 300 CSL | $1,742 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,470 |
| 20 | $5,218 |
| 30 | $3,144 |
| 40 | $3,072 |
| 50 | $2,928 |
| 60 | $2,904 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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