Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs on average $300 a year, collision costs $588, and liability is estimated at $388. A liability-only policy costs approximately $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 by type of insurance:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The examples above demonstrate why it is important to get quotes based on a specific location, instead of using average rates.

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

Additional Rate Analysis

The chart below details estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save around $1,210 annually
• The estimated price for a good driver age 40 with $500 deductibles is $1,412
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $1,806
• Unlucky drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• Policy cost that insures a teen driver may cost $5,212 each year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on the trim level of your S4, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $600 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

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 Cheaper Audi S4 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and claims, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices at least every other year by requesting rates from direct companies, and also from several local insurance agents.

The points below are a condensed summary of the car insurance concepts covered above.

• Higher risk drivers with multiple at-fault accidents pay on average $1,660 more each year to insure an Audi S4
• You may be able to save as much as $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Policyholders who require increased liability limits will pay an extra $430 every year to raise limits from a 30/60 limit to the 250/500 level