Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs on average $300 each year, collision costs $588, and liability costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing $3,072 or more. Teenage 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:

Rates are based on $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and S4 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Rural areas tend to have lower incidents of collision claims than densely populated cities.

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

These examples demonstrate why all drivers should compare rates based on a specific location, instead of making a decision based on average rates.

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

Additional Rate Analysis

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $202 annually
• The estimated price for a 40-year-old driver with $500 deductibles is $1,412
• Using low deductibles for comprehensive and collision insurance will cost an additional $394 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• The cost that insures a 16-year-old driver may cost $5,212 a year

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you may be forking out at a minimum $1,700 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $600 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so the rates can be significantly 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 the Best Cheap Audi S4 Insurance

Saving money on insurance for an Audi S4 not only requires having a good driving record, but also having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare prices every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a quick review of the material that was covered above.

• Insureds who require increased levels of liability coverage will pay an extra $430 every year to go from a minimum limit to the 250/500 level
• Drivers age 20 and younger pay the highest rates, with premiums as much as $434 per month if full coverage is included
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,660 more each year to buy Audi S4 insurance
• Increasing deductibles can save approximately $600 each year