Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually including full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability insurance costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teen drivers pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

The ranges above highlight why everyone should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $202 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Choosing pricier low deductibles for physical damage coverage costs an additional $394 a year
• Drivers with multiple violations and an at-fault accident could pay around $3,072 or more
• The price with full coverage for a teen driver for full coverage can cost $5,212 or more

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

A more mature driver with a clean driving record and high physical damage deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra each year, depending on your age. Audi S4 insurance for high-risk drivers can be anywhere from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $600 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so the prices may be quite different between companies.

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 Buy the Best Audi S4 Insurance

Getting lower rates on Audi S4 insurance requires avoiding accidents and violations, having a good credit history, being claim-free, and maximizing policy discounts. Take the time to comparison shop at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a brief recap of the primary concepts that were touched on in the above illustrations.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who tend to receive serious violations may have to pay on average $1,660 more per year for car insurance
• Increasing physical damage deductibles could save up to $600 each year
• Teenagers are expensive to insure, possibly costing $434 a month including comprehensive and collision insurance