Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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Average insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs approximately $312, collision insurance costs $624, and liability insurance is estimated at $384. Liability-only coverage costs approximately $432 a year, and high-risk coverage costs around $3,174. Teenage drivers receive the highest rates at up to $5,356 a year.
Average premium for full coverage: $1,456
Rate estimates by individual coverage type:
These estimates include $500 deductible amounts, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for all S4 models.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the low end price of $432 for just the minimum liability insurance to the much higher price of $3,174 for a high-risk driver policy.
Price Range by Location
Living in a larger city has a significant impact on the price of insurance. Rural locations tend to have lower incidents of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why everyone should get quotes using their specific location, rather than relying on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below details average Audi S4 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $816
- Choosing higher $1,000 deductibles can save $212 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,456
- Using pricier low deductibles for comp and collision coverage bumps up the cost to $1,870
- High-risk insureds who are prone to accidents and violations could pay around $3,174
- The cost that insures a teen driver for full coverage can cost $5,356 each year
Car insurance rates for an Audi S4 can also vary considerably based on the model of your S4, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,700 to $2,400 extra per year, depending on your age. Audi S4 insurance for high-risk drivers ranges anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates
A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $5,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,314 | -$142 | -9.8% |
Alaska | $1,116 | -$340 | -23.4% |
Arizona | $1,208 | -$248 | -17.0% |
Arkansas | $1,456 | -$0 | 0.0% |
California | $1,658 | $202 | 13.9% |
Colorado | $1,388 | -$68 | -4.7% |
Connecticut | $1,494 | $38 | 2.6% |
Delaware | $1,646 | $190 | 13.0% |
Florida | $1,820 | $364 | 25.0% |
Georgia | $1,346 | -$110 | -7.6% |
Hawaii | $1,046 | -$410 | -28.2% |
Idaho | $986 | -$470 | -32.3% |
Illinois | $1,084 | -$372 | -25.5% |
Indiana | $1,098 | -$358 | -24.6% |
Iowa | $984 | -$472 | -32.4% |
Kansas | $1,382 | -$74 | -5.1% |
Kentucky | $1,984 | $528 | 36.3% |
Louisiana | $2,156 | $700 | 48.1% |
Maine | $898 | -$558 | -38.3% |
Maryland | $1,200 | -$256 | -17.6% |
Massachusetts | $1,160 | -$296 | -20.3% |
Michigan | $2,526 | $1,070 | 73.5% |
Minnesota | $1,220 | -$236 | -16.2% |
Mississippi | $1,742 | $286 | 19.6% |
Missouri | $1,292 | -$164 | -11.3% |
Montana | $1,562 | $106 | 7.3% |
Nebraska | $1,146 | -$310 | -21.3% |
Nevada | $1,746 | $290 | 19.9% |
New Hampshire | $1,050 | -$406 | -27.9% |
New Jersey | $1,626 | $170 | 11.7% |
New Mexico | $1,288 | -$168 | -11.5% |
New York | $1,532 | $76 | 5.2% |
North Carolina | $836 | -$620 | -42.6% |
North Dakota | $1,192 | -$264 | -18.1% |
Ohio | $1,002 | -$454 | -31.2% |
Oklahoma | $1,494 | $38 | 2.6% |
Oregon | $1,334 | -$122 | -8.4% |
Pennsylvania | $1,386 | -$70 | -4.8% |
Rhode Island | $1,942 | $486 | 33.4% |
South Carolina | $1,320 | -$136 | -9.3% |
South Dakota | $1,228 | -$228 | -15.7% |
Tennessee | $1,274 | -$182 | -12.5% |
Texas | $1,754 | $298 | 20.5% |
Utah | $1,078 | -$378 | -26.0% |
Vermont | $994 | -$462 | -31.7% |
Virginia | $872 | -$584 | -40.1% |
Washington | $1,124 | -$332 | -22.8% |
West Virginia | $1,334 | -$122 | -8.4% |
Wisconsin | $1,006 | -$450 | -30.9% |
Wyoming | $1,296 | -$160 | -11.0% |
Using high physical damage deductibles can save as much as $630 each 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 cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Audi S4 | $384 | $750 | $332 | $1,602 |
2023 Audi S4 | $370 | $744 | $338 | $1,588 |
2022 Audi S4 | $356 | $726 | $354 | $1,572 |
2021 Audi S4 | $344 | $696 | $364 | $1,540 |
2020 Audi S4 | $326 | $672 | $376 | $1,510 |
2019 Audi S4 | $312 | $624 | $384 | $1,456 |
2018 Audi S4 | $300 | $588 | $388 | $1,412 |
2016 Audi S4 | $270 | $484 | $390 | $1,280 |
2014 Audi S4 | $254 | $424 | $402 | $1,216 |
2010 Audi S4 | $200 | $296 | $402 | $1,034 |
2009 Audi S4 | $194 | $266 | $398 | $994 |
2007 Audi S4 | $188 | $248 | $384 | $956 |
2006 Audi S4 | $172 | $236 | $380 | $924 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Audi S4 Insurance
Saving money on Audi S4 insurance takes having a good driving record, having a positive credit history, eliminating unnecessary coverage, and attention to physical damage deductibles. Compare prices every time your policy renews by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The next list is a brief summary of the information covered above.
- You may be able to save around $180 per year just by quoting online well ahead of the renewal date
- Drivers age 20 and younger pay the highest auto insurance rates, with premiums as much as $446 per month if full coverage is purchased
- Increasing deductibles can save approximately $625 each year
- High-risk drivers that tend to have accidents or serious violations may have to pay on average $1,720 more per year to buy Audi S4 insurance
- Drivers who purchase increased levels of liability coverage will pay an extra $420 every year to raise limits from a minimum limit to the 250/500 level
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,356 |
20 | $3,382 |
30 | $1,526 |
40 | $1,456 |
50 | $1,330 |
60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,870 |
$250 | $1,678 |
$500 | $1,456 |
$1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,456 |
50/100 | $1,533 |
100/300 | $1,629 |
250/500 | $1,878 |
100 CSL | $1,571 |
300 CSL | $1,782 |
500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,686 |
20 | $5,390 |
30 | $3,252 |
40 | $3,174 |
50 | $3,024 |
60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $78 |
Homeowner | $21 |
5-yr Accident Free | $114 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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