Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs around $300 each year, collision costs $588, and liability costs around $388. A liability-only policy costs as low as $434 a year, with high-risk insurance costing $3,072 or more. Teenage drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below illustrates estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Using higher $1,000 deductibles will save about $202 each year
• The average rate for a good driver age 40 using $500 deductibles is $1,412
• Using low deductibles for physical damage coverage will cost an extra $394 every year
• Drivers who are prone to accidents and violations could pay at least $3,072 or more
• Policy cost for full coverage for a teen driver can be $5,212 or more

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on your risk profile, the model year and trim level, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates 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

Using high physical damage deductibles could cut rates by as much as $600 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes will be varied 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 Low Cost Audi S4 Insurance

Finding cheaper rates on car insurance requires being safe and accident-free, having above-average credit, being claim-free, and qualifying for all possible discounts. Spend time shopping around once a year by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a review of the data that was touched on above.

• It is possible to save up to $170 per year simply by quoting online in advance
• Policyholders who may need more liability protection will pay an extra $430 annually to increase from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $434 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may pay on average $1,660 more every year than a low-risk driver