Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability coverage costs $388. Buying just liability costs as little as $434 a year, with insurance for high-risk drivers 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 by type of insurance:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

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

The examples above demonstrate why everyone should compare rates using their specific location, rather than using average rates.

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

Additional Rate Details

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay $202 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,412
• Using pricier low deductibles for comprehensive and collision insurance will cost an additional $394 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,072 or more
• Policy cost that insures a teenage driver for full coverage can cost $5,212 a year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the model of your S4, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. Audi S4 insurance for high-risk drivers can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $600 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 Cheaper Audi S4 Insurance

Finding cheaper rates on auto insurance not only requires being a good driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by requesting quotes from direct companies, and also from local insurance agencies.

The following list is a condensed summary of the data touched on in this article.

• Consumers who purchase an increased level of liability coverage will pay an extra $430 every year to go from a 30/60 limit to the 250/500 level
• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers age 16 to 20 are expensive to insure, as much as $434 each month if full coverage is included