Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive costs on average $300 a year, collision costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing around $3,072. 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, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why it is important to get quotes based on a specific location, instead of using averaged prices.

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

Rate Comparisons

The chart below shows estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save around $1,210 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,412
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,806
• Unlucky drivers with serious driving violations could pay upwards of $3,072 or more
• The price that insures a teen driver may cost $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the trim level of your S4, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 every year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each auto insurer calculates prices differently, and prices may be quite different.

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 car insurance takes being a safe and courteous driver, having a good credit score, eliminating unnecessary coverage, and insuring your home and auto with the same company. Compare rates at every other renewal by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

Below is a brief review of the concepts that were covered above.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,660 more each year for auto insurance
• Teenage drivers pay higher prices, with premiums as much as $434 a month if comprehensive and collision insurance is included
• Drivers can save as much as $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $600 each year
• Drivers can save as much as $170 per year simply by quoting early and online