Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive costs an estimated $300 a year, collision costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing around $3,072. Teen drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

These rate differences highlight why it is important to compare prices for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Audi S4 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save approximately $1,210 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,412
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,806
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,072 or more
• An auto insurance policy that insures a 16-year-old driver can cost as much as $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the trim level of your S4, your driving record and age, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are likely paying $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut prices by as much as $600 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so the prices will be substantially 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 Best Audi S4 Insurance

Finding better rates on insurance for an Audi S4 requires avoiding accidents and violations, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Shop around every year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The list below is a brief recap of the coverage data raised in the charts and tables above.

• You may be able to save approximately $170 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $600 each year
• Teenagers are charged the highest prices, with the cost nearing $434 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations could be charged and average of $1,660 more annually for car insurance