Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive costs an estimated $300 a 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 around $3,072. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of insurance. More rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

These rate differences illustrate why it is important to get quotes for a targeted area, rather than using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save approximately $1,210 each year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,412
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,806
• Drivers who are prone to accidents and violations could pay up to $3,072 or more
• An auto insurance policy that insures a teenage driver can cost as much as $5,212 each year

View Chart as Image

Auto insurance prices for an Audi S4 also have a wide range based on the trim level of your S4, your age and driving record, and liability limits and deductibles.

If you have a few violations or you caused an accident, you are probably paying $1,700 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $600 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out which insurance company is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different.

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 Low Cost Audi S4 Insurance

Finding better rates on auto insurance takes being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a review of the information presented in the illustrations above.

• It is possible to save approximately $170 per year simply by quoting early and online
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $434 per month if the policy includes full coverage
• Increasing policy deductibles can save approximately $600 each year
• Drivers who have several accidents or serious violations may have to pay on average $1,660 more annually than a safer driver
• Consumers who want an increased level of liability coverage will pay an extra $430 annually to raise limits from 30/60 bodily injury limits to the 250/500 level