Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive costs on average $300 a year, collision costs $588, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing around $3,072. Teens 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:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $795
• Drivers who choose higher $1,000 deductibles will pay around $1,210 every year
• The estimated price for a good driver age 40 with $500 deductibles is $1,412
• Selecting low $100 deductibles for comprehensive and collision insurance bumps up the cost to $1,806
• Drivers with serious driving violations could pay upwards of $3,072 or more
• Policy cost that insures a 16-year-old driver may cost $5,212 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying at a minimum $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost from 44% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $600 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company calculates rates differently, and 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 Cheaper Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a condensed summary of the primary concepts that were presented in the illustrations above.

• You may be able to save as much as $170 per year simply by quoting early and online
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,660 more each year to insure their S4
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Teen drivers pay higher rates, with premiums being up to $434 each month if comprehensive and collision insurance is included