Audi S4 Insurance Rates

Estimated auto insurance rates for an Audi S4 are $1,412 annually including full coverage. Comprehensive insurance costs approximately $300 a year, collision costs $588, and liability coverage is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $3,072 or more. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why it is important to get quotes using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save $1,210 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Using low $100 deductibles for comp and collision coverage costs an additional $394 each year
• Drivers who are prone to accidents and violations could pay around $3,072 or more
• An auto insurance policy with full coverage for a teenage driver can cost $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driving characteristics, and physical damage deductibles and liability limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, 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 a few violations or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy ranges around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices will be substantially 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 Cheaper Audi S4 Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a condensed summary of the primary concepts that were covered above.

• You may be able to save around $170 per year simply by quoting early and online
• Drivers with multiple at-fault accidents may have to pay on average $1,660 more per year to insure an Audi S4
• Increasing policy deductibles could save up to $600 each year
• Drivers under the age of 20 are expensive to insure, with the cost nearing $434 per month including comprehensive and collision insurance