Audi S4 Insurance Rates

Estimated auto insurance rates for an Audi S4 are $1,412 annually for full coverage insurance. Comprehensive costs approximately $300, collision costs $588, and liability coverage costs $388. A policy with only liability insurance costs as little as $434 a year, with a high-risk policy costing around $3,072. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why everyone should compare rates using their specific location and their own personal driving habits, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates 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 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Using pricier low deductibles for comprehensive and collision insurance will cost $1,806
• High-risk insureds who are prone to accidents and violations could pay around $3,072 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can cost $5,212 a year

View Chart as Image

Car insurance prices for an Audi S4 also have a wide range based on the model of your S4, your risk profile, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,300 extra annually, 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

Using high physical damage deductibles could save up to $600 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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 Buy the Cheapest Audi S4 Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and avoiding coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct insurance companies, and also from insurance agencies where you live.

The following list is a recap of the concepts that were presented in the illustrations above.

• Drivers that have major violations or accidents could be forced to pay on average $1,660 more per year than a safer driver
• Drivers age 16 to 20 pay the highest auto insurance prices, with premiums being up to $434 per month if comprehensive and collision insurance is included
• It is possible to save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save up to $600 each year
• It is possible to save around $170 per year simply by quoting online well ahead of the renewal date