Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive insurance costs around $300, collision insurance costs $588, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs $3,072 or more. Teen drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The price range example below illustrates how location impacts auto insurance rates.

The examples above highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, instead of making a decision based on price averages.

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

Rates by State, City, and Model

The chart below breaks down average Audi S4 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save about $202 every year
• The average price for a good driver age 40 using $500 deductibles is $1,412
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $394 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,072
• Policy cost to insure a 16-year-old driver with full coverage can be $5,212 each year

View Chart as Image

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

Choosing high deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase rates. 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

An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $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 at least $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

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 Cheaper Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Spend time shopping around every couple of years by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The points below are a condensed summary of the material that was touched on above.

• Insureds who may need increased liability limits will pay about $430 per year to raise limits from a 30/60 limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, with premiums being up to $434 each month if full coverage is included
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,660 more every year to insure an Audi S4
• Increasing comprehensive and collision deductibles could save as much as $600 each year