Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Includes $500 deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

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

More Rate Details

The chart below breaks down estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $202 every year
• The average rate for a good driver age 40 using $500 deductibles is $1,412
• Using low deductibles for physical damage coverage will increase the cost to $1,806
• High-risk insureds who are prone to accidents and violations could pay at least $3,072 or more
• Policy cost for full coverage for a 16-year-old driver can be $5,212 or more

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on your risk profile, the model of your S4, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 annually, whereas increasing liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so rate quotes will be varied from one company to the next.

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 Cheapest Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Spend time shopping around once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a recap of the data that was touched on above.

• You may be able to save up to $170 per year simply by quoting online in advance
• Insureds who may need higher liability limits will pay an extra $430 per year to increase from a 30/60 limit to 250/500 limits
• Teens are the costliest to insure, with premiums being up to $434 each month if full coverage is included
• Drivers considered higher risk that have major violations or accidents pay on average $1,660 more every year for S4 insurance