Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs on average $300, collision costs $588, and liability insurance 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 by type of insurance:

Rate estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on car insurance rates.

The examples above show why anyone shopping for car insurance should get quotes based on a specific location, rather than relying on average rates.

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

More Rate Information

The chart below shows estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save around $202 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,412
• Using more expensive low deductibles for comp and collision coverage will cost an additional $394 a year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,072 or more
• Policy cost that insures a teen driver with full coverage may cost $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, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

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 Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $600 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

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 Find the Best Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance takes having a good driving record, having a positive credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at every other renewal by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The next list is a brief recap of the concepts that were covered in the above illustrations.

• High-risk drivers who tend to receive serious violations may pay on average $1,660 more each year to buy Audi S4 insurance
• Drivers age 20 and younger are expensive to insure, costing up to $434 each month if full coverage is purchased
• Drivers can save as much as $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers can save as much as $170 per year simply by shopping early and online