Audi S4 Insurance Rates

Estimated auto insurance rates for an Audi S4 are $1,412 annually for full coverage insurance. Comprehensive insurance costs on average $300 a year, collision insurance costs $588, and liability coverage costs $388. A policy with only liability insurance costs as little as $434 a year, and a high-risk policy costs $3,072 or more. Teenage drivers pay the most at up to $5,212 a year.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities. The diagram below illustrates how location helps determine car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below illustrates average Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $1,210 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,412
• Using low $100 deductibles for comprehensive and collision insurance costs an additional $394 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $3,072
• An auto insurance policy with full coverage for a teenage driver may cost $5,212 a year

View Chart as Image

Car insurance prices for an Audi S4 also have a wide range based on the model of your S4, your risk profile, and policy deductibles and limits.

Older drivers with no driving violations and high physical damage deductibles may only pay around $1,300 per year 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 will be charged upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 extra annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

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

Where you choose to live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

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 More Affordable Audi S4 Insurance

Finding better rates on auto insurance not only requires being a low-risk driver, but also having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every couple of years by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The items below are a summary of the material that was covered in the charts and tables above.

• Consumers who require more liability coverage will pay an extra $430 annually to go from 30/60 bodily injury limits to higher 250/500 limits
• Teen drivers are expensive to insure, with premiums being up to $434 per month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations may pay on average $1,660 more each year to insure their S4
• Increasing policy deductibles could save up to $600 each year