Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually including full coverage. Comprehensive costs around $300, collision costs $588, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing around $3,072. Teen drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Prices include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than larger metro areas.

The example below illustrates how your location can change auto insurance rates.

The examples above highlight why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $795
• Drivers who choose higher $1,000 deductibles will pay about $202 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,412
• Choosing pricier low deductibles for comprehensive and collision insurance will cost $1,806
• Drivers with multiple violations and an at-fault accident could pay at least $3,072 or more
• Policy cost with full coverage for a 16-year-old driver for full coverage can be $5,212 a year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. Audi S4 insurance for high-risk drivers can cost from 44% to 134% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $600 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Every company uses a different rate calculation, and rates will be varied 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 Right Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires being a low-risk driver, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a quick rundown of the information illustrated above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• Teen drivers are charged the highest rates, with premiums being up to $434 each month if they have full coverage
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,660 more every year to insure their S4
• Insureds who may need more liability coverage will pay about $430 per year to go from a 30/60 limit to higher 250/500 limits