Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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Average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs an estimated $300 each year, collision insurance costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, and insurance for high-risk drivers costs $3,072 or more. 16-year-old drivers receive the highest rates at up to $5,212 a year.
Average premium for full coverage: $1,412
Rate estimates broken down by individual coverage type:
Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and S4 models.
Price Range by Coverage and Risk
For the normal driver, prices range range from the low end price of $434 for the bare minimum liability coverage to a high rate of $3,072 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities. The graphic below illustrates how geographic area affects insurance prices.
These examples highlight why all drivers should get quotes for a targeted area, instead of making a decision based on rate averages.
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.
Additional Rate Information
The chart below breaks down average Audi S4 insurance rates for other coverage scenarios.
- The best full coverage rate is $795
- Choosing higher $1,000 deductibles can save approximately $202 every year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,412
- Buying low deductibles for comp and collision coverage will cost an additional $394 annually
- Higher-risk drivers with multiple tickets or accidents could pay up to $3,072
- The cost that insures a 16-year-old driver can cost as much as $5,212 each year
Auto insurance rates for an Audi S4 can also vary considerably based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you are likely paying $1,700 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 44% to 134% more than the average rate. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age
Where you live 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 Vermont, New Hampshire, and Missouri, or at least $2,010 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,274 | -$138 | -9.8% |
| Alaska | $1,080 | -$332 | -23.5% |
| Arizona | $1,172 | -$240 | -17.0% |
| Arkansas | $1,412 | -$0 | 0.0% |
| California | $1,608 | $196 | 13.9% |
| Colorado | $1,344 | -$68 | -4.8% |
| Connecticut | $1,448 | $36 | 2.5% |
| Delaware | $1,594 | $182 | 12.9% |
| Florida | $1,762 | $350 | 24.8% |
| Georgia | $1,304 | -$108 | -7.6% |
| Hawaii | $1,014 | -$398 | -28.2% |
| Idaho | $956 | -$456 | -32.3% |
| Illinois | $1,050 | -$362 | -25.6% |
| Indiana | $1,062 | -$350 | -24.8% |
| Iowa | $950 | -$462 | -32.7% |
| Kansas | $1,340 | -$72 | -5.1% |
| Kentucky | $1,924 | $512 | 36.3% |
| Louisiana | $2,088 | $676 | 47.9% |
| Maine | $870 | -$542 | -38.4% |
| Maryland | $1,164 | -$248 | -17.6% |
| Massachusetts | $1,126 | -$286 | -20.3% |
| Michigan | $2,448 | $1,036 | 73.4% |
| Minnesota | $1,182 | -$230 | -16.3% |
| Mississippi | $1,690 | $278 | 19.7% |
| Missouri | $1,252 | -$160 | -11.3% |
| Montana | $1,514 | $102 | 7.2% |
| Nebraska | $1,110 | -$302 | -21.4% |
| Nevada | $1,690 | $278 | 19.7% |
| New Hampshire | $1,018 | -$394 | -27.9% |
| New Jersey | $1,576 | $164 | 11.6% |
| New Mexico | $1,246 | -$166 | -11.8% |
| New York | $1,484 | $72 | 5.1% |
| North Carolina | $810 | -$602 | -42.6% |
| North Dakota | $1,154 | -$258 | -18.3% |
| Ohio | $974 | -$438 | -31.0% |
| Oklahoma | $1,446 | $34 | 2.4% |
| Oregon | $1,292 | -$120 | -8.5% |
| Pennsylvania | $1,344 | -$68 | -4.8% |
| Rhode Island | $1,880 | $468 | 33.1% |
| South Carolina | $1,278 | -$134 | -9.5% |
| South Dakota | $1,190 | -$222 | -15.7% |
| Tennessee | $1,232 | -$180 | -12.7% |
| Texas | $1,700 | $288 | 20.4% |
| Utah | $1,042 | -$370 | -26.2% |
| Vermont | $964 | -$448 | -31.7% |
| Virginia | $844 | -$568 | -40.2% |
| Washington | $1,088 | -$324 | -22.9% |
| West Virginia | $1,294 | -$118 | -8.4% |
| Wisconsin | $974 | -$438 | -31.0% |
| Wyoming | $1,254 | -$158 | -11.2% |
Opting for high physical damage deductibles can save as much as $600 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,378 | $115 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,412 | $118 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2023 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2022 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2021 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2020 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2019 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2018 Audi S4 | $288 | $526 | $390 | $1,340 |
| 2016 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2014 Audi S4 | $234 | $394 | $402 | $1,166 |
| 2010 Audi S4 | $194 | $266 | $398 | $994 |
| 2009 Audi S4 | $190 | $260 | $390 | $976 |
| 2007 Audi S4 | $172 | $236 | $380 | $924 |
| 2006 Audi S4 | $166 | $224 | $376 | $902 |
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 insurance for an Audi S4 takes having a decent driving record, maintaining a good credit score, not filing small claims, and consideration of higher deductibles. Comparison shop at least once a year by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.
The following items are a quick rundown of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $170 per year just by quoting online in advance
- Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,660 more annually than a driver with a clean driving record
- Increasing deductibles can save approximately $600 each year
- 16 to 18-year-old drivers are the costliest to insure, as much as $434 per month if the policy includes full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,212 |
| 20 | $3,272 |
| 30 | $1,476 |
| 40 | $1,412 |
| 50 | $1,288 |
| 60 | $1,266 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,806 |
| $250 | $1,622 |
| $500 | $1,412 |
| $1,000 | $1,210 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,412 |
| 50/100 | $1,490 |
| 100/300 | $1,587 |
| 250/500 | $1,839 |
| 100 CSL | $1,528 |
| 300 CSL | $1,742 |
| 500 CSL | $1,897 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,470 |
| 20 | $5,218 |
| 30 | $3,144 |
| 40 | $3,072 |
| 50 | $2,928 |
| 60 | $2,904 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $77 |
| Multi-vehicle | $75 |
| Homeowner | $21 |
| 5-yr Accident Free | $109 |
| 5-yr Claim Free | $93 |
| Paid in Full/EFT | $68 |
| Advance Quote | $72 |
| Online Quote | $102 |
| Total Discounts | $617 |
Discounts are estimated and may not be available from every company or in every state.
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