Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of insurance. Rural locations tend to have a lower frequency of collision claims than larger metro areas.

The example below illustrates the effect of geographic area on auto insurance prices.

These examples demonstrate why everyone should compare prices using their specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $202 annually
• The average rate for a 40-year-old driver who chooses $500 deductibles is $1,412
• Choosing pricier low deductibles for physical damage coverage will increase the cost to $1,806
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,072 or more
• The cost for full coverage for a teenage driver for full coverage can cost $5,212 or more

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on your driver profile, the trim level and model year, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles could cut rates by as much as $600 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will cost as much as $349 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 additional per year, depending on your age. Audi S4 insurance for high-risk drivers can be around 44% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates can be significantly 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 the Best Audi S4 Insurance

Saving money on auto insurance requires being a good driver, having a good credit history, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from several local insurance agents.

The following list is a brief recap of the information covered in the above illustrations.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 are the costliest to insure, with premiums as much as $434 per month including comprehensive and collision insurance
• Increasing deductibles can save around $600 each year
• Drivers who tend to receive serious violations pay on average $1,660 more per year than a safer driver
• Consumers who purchase an increased level of liability coverage will pay about $430 every year to increase from a minimum limit to 250/500 limits