Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive costs an estimated $300, collision costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing around $3,072. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates broken down by individual coverage:

Full coverage includes $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. More rural locations have lower incidents of accident claims than cities with more traffic congestion.

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

The ranges above show why everyone should get quotes for a targeted area, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 a year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,412
• Selecting pricier low deductibles for comp and collision coverage bumps up the cost to $1,806
• Higher-risk drivers with serious driving violations could pay up to $3,072 or more
• The price that insures a 16-year-old driver for full coverage can cost as much as $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the model of your S4, how you drive, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you could be paying $1,700 to $2,300 additional each year, depending on your age. Audi S4 insurance for high-risk drivers ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know which car insurance is cheapest is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, and prices may be quite 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 More Affordable Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 takes being a low-risk driver, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a summary of the primary concepts that were covered in the above illustrations.

• Drivers can save approximately $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,660 more annually to insure their S4
• Increasing physical damage deductibles can save approximately $600 each year
• Teen drivers are expensive to insure, with premiums as much as $434 a month if comprehensive and collision insurance is included