Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs an estimated $300 a year, collision costs $588, and liability insurance 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 highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates broken down by individual coverage:

Rates are based on $500 deductible amounts, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates the difference location can make on insurance prices.

The ranges above show why it is important to get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Additional Rate Information

The chart below shows estimated Audi S4 insurance rates for other coverage scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save approximately $1,210 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,412
• Using low $100 deductibles for comp and collision coverage will cost an extra $394 a year
• High-risk insureds who are prone to accidents and violations could pay up to $3,072 or more
• The price for full coverage for a teen driver can cost as much as $5,212 each year

View Chart as Image

Auto insurance prices for an Audi S4 are also quite variable based on your driving record, the trim level of your S4, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $600 each year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted 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 the Best Cheap Audi S4 Insurance

Getting lower rates on Audi S4 insurance takes having a good driving record, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The next list is a quick review of the data touched on in this article.

• Drivers who want increased levels of liability coverage will pay an extra $430 each year to raise limits from a low limit to 250/500 limits
• Drivers can save approximately $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $600 each year
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $434 a month if they have full coverage