Audi S4 Insurance Rates

Average auto insurance rates for an Audi S4 are $1,412 annually for full coverage insurance. Comprehensive insurance costs approximately $300, collision costs $588, and liability costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing $3,072 or more. 16-year-old drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Rates are based on $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for different S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on the price of auto insurance. Rural locations tend to have fewer physical damage claims than congested cities.

The price range example below illustrates how location helps determine auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $795
• Using higher $1,000 deductibles will save $202 each year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,412
• Buying more expensive low deductibles for physical damage coverage costs an additional $394 annually
• High-risk insureds with multiple tickets or accidents could pay around $3,072 or more
• The cost with full coverage for a 16-year-old driver with full coverage can cost $5,212 or more

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Insurance rates for an Audi S4 can also vary considerably based on the trim level of your S4, your risk profile, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra per year, depending on your age. High-risk driver insurance can be from 44% to 134% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $600 annually, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates 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.

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With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates can be significantly different between companies.

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 Buy the Best Cheap Audi S4 Insurance

Saving money on insurance for an Audi S4 requires being a good driver, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates every year by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a quick review of the coverage data covered in the charts and tables above.

• It is possible to save around $170 per year simply by shopping early and online
• Increasing deductibles could save up to $600 each year
• Drivers age 16 to 20 are expensive to insure, costing up to $434 per month including comprehensive and collision insurance
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,660 more per year than a safer driver