Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive insurance costs around $312 each year, collision costs $624, and liability is estimated at $384. A liability-only policy costs approximately $432 a year, with high-risk insurance costing $3,174 or more. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates for type of coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences illustrate why all drivers should get quotes for a specific zip code and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $816
• Choosing higher $1,000 deductibles can save about $212 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,456
• Using low deductibles for comp and collision coverage will cost an extra $414 annually
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,174 or more
• An auto insurance policy for full coverage for a 16-year-old driver can be $5,356 each year

View Chart as Image

Auto insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

More mature drivers with a good driving record and high deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay as much as $5,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,960 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can save as much as $630 annually, whereas increasing liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $345 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,700 to $2,400 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 45% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to do a rate comparison from multiple companies. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially 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 Right Audi S4 Insurance

Finding better rates on insurance for an Audi S4 takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a quick rundown of the data covered in the above illustrations.

• Insureds who may need higher liability limits will pay an extra $420 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• It is possible to save up to $180 per year simply by quoting online in advance
• Increasing policy deductibles can save around $625 each year
• Teenagers are expensive to insure, with premiums being up to $446 per month if they have full coverage