Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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Average insurance rates for an Audi S4 are $1,456 a year for full coverage. Comprehensive insurance costs approximately $312, collision costs $624, and liability coverage costs around $384. A policy with just liability insurance costs as low as $432 a year, with coverage for high-risk drivers costing $3,174 or more. Teens receive the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Rate estimates by individual coverage type:

Comprehensive $312
Collision $624
Liability $384

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all S4 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from the low end price of $432 for just liability insurance to the much higher price of $3,174 for coverage for higher-risk drivers.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how where you live affects auto insurance prices.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

These examples show why everyone should compare prices using their specific location, rather than using averaged prices.

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 shows estimated Audi S4 insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $816
  • Using higher $1,000 deductibles will save $212 a year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,456
  • Selecting pricier low deductibles for physical damage coverage will cost an additional $414 each year
  • Higher-risk drivers with serious driving violations could pay around $3,174 or more
  • The cost that insures a teenage driver for full coverage can cost $5,356 or more

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance prices range from $816 to $5,356

Insurance rates for an Audi S4 can also vary considerably based on the model of your S4, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,700 to $2,400 additional per year, depending on your age. Audi S4 insurance for high-risk drivers can be around 45% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,400 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Where you live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,314 -$142 -9.8%
Alaska $1,116 -$340 -23.4%
Arizona $1,208 -$248 -17.0%
Arkansas $1,456 -$0 0.0%
California $1,658 $202 13.9%
Colorado $1,388 -$68 -4.7%
Connecticut $1,494 $38 2.6%
Delaware $1,646 $190 13.0%
Florida $1,820 $364 25.0%
Georgia $1,346 -$110 -7.6%
Hawaii $1,046 -$410 -28.2%
Idaho $986 -$470 -32.3%
Illinois $1,084 -$372 -25.5%
Indiana $1,098 -$358 -24.6%
Iowa $984 -$472 -32.4%
Kansas $1,382 -$74 -5.1%
Kentucky $1,984 $528 36.3%
Louisiana $2,156 $700 48.1%
Maine $898 -$558 -38.3%
Maryland $1,200 -$256 -17.6%
Massachusetts $1,160 -$296 -20.3%
Michigan $2,526 $1,070 73.5%
Minnesota $1,220 -$236 -16.2%
Mississippi $1,742 $286 19.6%
Missouri $1,292 -$164 -11.3%
Montana $1,562 $106 7.3%
Nebraska $1,146 -$310 -21.3%
Nevada $1,746 $290 19.9%
New Hampshire $1,050 -$406 -27.9%
New Jersey $1,626 $170 11.7%
New Mexico $1,288 -$168 -11.5%
New York $1,532 $76 5.2%
North Carolina $836 -$620 -42.6%
North Dakota $1,192 -$264 -18.1%
Ohio $1,002 -$454 -31.2%
Oklahoma $1,494 $38 2.6%
Oregon $1,334 -$122 -8.4%
Pennsylvania $1,386 -$70 -4.8%
Rhode Island $1,942 $486 33.4%
South Carolina $1,320 -$136 -9.3%
South Dakota $1,228 -$228 -15.7%
Tennessee $1,274 -$182 -12.5%
Texas $1,754 $298 20.5%
Utah $1,078 -$378 -26.0%
Vermont $994 -$462 -31.7%
Virginia $872 -$584 -40.1%
Washington $1,124 -$332 -22.8%
West Virginia $1,334 -$122 -8.4%
Wisconsin $1,006 -$450 -30.9%
Wyoming $1,296 -$160 -11.0%

View Chart as Image

Audi S4 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $630 a year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see how they stack up. Each insurance company calculates rates differently, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Audi S4 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,420 $118
Audi S4 Quattro 4-Dr Sedan $1,456 $121
Audi S4 Quattro 4-Dr Sedan $1,456 $121

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.

Audi S4 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi S4 $384 $750 $332 $1,602
2023 Audi S4 $370 $744 $338 $1,588
2022 Audi S4 $356 $726 $354 $1,572
2021 Audi S4 $344 $696 $364 $1,540
2020 Audi S4 $326 $672 $376 $1,510
2019 Audi S4 $312 $624 $384 $1,456
2018 Audi S4 $300 $588 $388 $1,412
2016 Audi S4 $270 $484 $390 $1,280
2014 Audi S4 $254 $424 $402 $1,216
2010 Audi S4 $200 $296 $402 $1,034
2009 Audi S4 $194 $266 $398 $994
2007 Audi S4 $188 $248 $384 $956
2006 Audi S4 $172 $236 $380 $924

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 Right Audi S4 Insurance

Saving money on auto insurance requires avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and qualifying for all possible discounts. Compare rates at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The list below is a quick rundown of the primary concepts that were touched on in the above illustrations.

  • Drivers can save around $180 per year simply by quoting online well ahead of the renewal date
  • Drivers with reckless driving or DUI convictions could be forced to pay on average $1,720 more per year for car insurance
  • Increasing deductibles can save approximately $625 each year
  • Teenagers are the costliest to insure, costing as high as $446 per month if comprehensive and collision insurance is included

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,356
20 $3,382
30 $1,526
40 $1,456
50 $1,330
60 $1,306

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,456
50/100 $1,533
100/300 $1,629
250/500 $1,878
100 CSL $1,571
300 CSL $1,782
500 CSL $1,936

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,686
20 $5,390
30 $3,252
40 $3,174
50 $3,024
60 $3,000

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.

SR-22 Surcharge $210

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $79
Multi-vehicle $78
Homeowner $21
5-yr Accident Free $114
5-yr Claim Free $96
Paid in Full/EFT $71
Advance Quote $75
Online Quote $106
Total Discounts $640
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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