Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually for full coverage. Comprehensive insurance costs an estimated $300 each year, collision costs $588, and liability coverage is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing $3,072 or more. Teenage drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on insurance rates. More rural locations are shown to have fewer accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above show why all drivers should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save approximately $202 a year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,412
• Using low deductibles for comp and collision coverage costs an additional $394 each year
• Drivers who are prone to accidents and violations could pay up to $3,072 or more
• Policy cost with full coverage for a teenage driver can cost as much as $5,212 each year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driver profile, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied 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 Low Cost Audi S4 Insurance

Finding cheaper rates on auto insurance takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at least once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The points below are a review of the primary concepts that were covered in the above illustrations.

• Drivers can save approximately $170 per year simply by quoting online in advance
• Drivers who have several accidents or serious violations may pay on average $1,660 more annually to insure an Audi S4
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Drivers under the age of 20 have the highest car insurance rates, costing up to $434 each month if comprehensive and collision insurance is included