Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability insurance costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing $3,072 or more. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Prices are based on $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on car insurance rates. Rural locations have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance prices.

The ranges above show why everyone should compare prices using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save $202 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Selecting pricier low deductibles for physical damage coverage will cost an extra $394 a year
• Drivers with serious driving violations could pay around $3,072 or more
• The price for full coverage for a teen driver for full coverage can cost $5,212 or more

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 each year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 additional each year, depending on your age. Audi S4 insurance for high-risk drivers can be anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and 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 Affordable Audi S4 Insurance

Getting lower rates on Audi S4 insurance requires being a safe and courteous driver, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

Below is a brief review of the ideas that were illustrated above.

• Teenage drivers are the costliest to insure, with premiums as much as $434 a month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,660 more per year for auto insurance
• Increasing physical damage deductibles can save around $600 each year
• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date