Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive costs an estimated $312 each year, collision insurance costs $624, and liability costs around $384. Buying just liability costs as low as $432 a year, and insurance for high-risk drivers costs around $3,174. Teenage drivers pay the highest rates at up to $5,356 a year.

Average premium for full coverage: $1,456

Price estimates broken down by individual coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and S4 models.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of insurance. More rural locations have a lower frequency of physical damage claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The ranges above illustrate why all drivers should compare prices for a targeted area and risk profile, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $816
• Using higher $1,000 deductibles will save approximately $212 each year
• The average rate for the average middle-age driver who has $500 deductibles is $1,456
• Using low deductibles for physical damage coverage will increase the cost to $1,870
• Drivers who are prone to accidents and violations could pay up to $3,174
• The price for full coverage for a teen driver can cost as much as $5,356 or more

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,400 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

The state you live in has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $630 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,700 to $2,400 additional each year, depending on your age. Insurance for high-risk drivers can be as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

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 Affordable Audi S4 Insurance

Getting lower rates on car insurance requires being safe and accident-free, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to compare rates at every other renewal by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

Below you'll find a brief review of the concepts that were covered above.

• Higher risk drivers with DUI or reckless driving convictions pay on average $1,720 more annually than a low-risk driver
• Youthful drivers are expensive to insure, as much as $446 a month including comprehensive and collision insurance
• It is possible to save approximately $180 per year just by quoting online in advance
• Increasing physical damage deductibles can save around $625 each year
• It is possible to save approximately $180 per year just by quoting online in advance