Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive costs around $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 for individual coverage:

Estimates include $500 deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and for different S4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates how location helps determine auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should get quotes for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save about $202 every year
• The average rate for the average middle-age driver using $500 deductibles is $1,412
• Selecting more expensive low deductibles for comp and collision coverage will increase the cost to $1,806
• Higher-risk drivers with serious driving violations could pay at least $3,072 or more
• The price for full coverage for a 16-year-old driver with full coverage can be $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on your driving record, the model of your S4, and deductibles and policy limits.

An older driver with no violations or accidents and high deductibles may pay as low as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay as much as $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 $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to compare prices from multiple companies. Each auto insurer calculates prices differently, and prices may be quite different 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 Low Cost Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 takes not taking risks behind the wheel, having a good credit history, being claim-free, and taking advantage of discounts. Invest time comparing rates every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following is a review of the material that was covered in the charts and tables above.

• Insureds who may need higher liability limits will pay approximately $430 per year to raise limits from a low limit to 250/500 limits
• Teens are charged the highest prices, possibly costing $434 a month including comprehensive and collision insurance
• Drivers considered higher risk who have several accidents or serious violations pay on average $1,660 more every year for S4 insurance
• Increasing physical damage deductibles can save around $600 each year