Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs on average $300, collision costs $588, and liability is estimated at $388. A policy with just liability insurance costs approximately $434 a year, with coverage for high-risk drivers costing $3,072 or more. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance rates. Rural areas have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates how rural and urban location affects car insurance rates.

The ranges above show why everyone should get quotes based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save around $202 a year
• The estimated price for the average middle-age driver with $500 deductibles is $1,412
• Selecting pricier low deductibles for comp and collision coverage will cost an additional $394 annually
• Higher-risk drivers with serious driving violations could pay upwards of $3,072 or more
• The price that insures a 16-year-old driver for full coverage may cost $5,212 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on the model of your S4, how you drive, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you could be paying at a minimum $1,700 to $2,300 extra each year, depending on your age. Audi S4 insurance for high-risk drivers ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

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

The state you live in plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer calculates prices differently, so the prices may be quite 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 More Affordable Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 takes being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and bundling your home and auto policies. Compare rates at least once a year by requesting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a summary of the primary concepts that were raised in the charts and tables above.

• Drivers can save as much as $170 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,660 more each year than a low-risk driver
• Increasing physical damage deductibles can save approximately $600 each year
• Youthful drivers pay the highest prices, with premiums as much as $434 a month if full coverage is included