Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs an estimated $300, collision costs $588, and liability is estimated at $388. Liability-only insurance costs approximately $434 a year, with high-risk driver insurance costing $3,072 or more. Teens cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

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

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,412
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $394 annually
• Higher-risk drivers with serious driving violations could pay up to $3,072 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,212 each year

View Chart as Image

Auto insurance rates for an Audi S4 also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,700 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates will be varied.

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 Cheap Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes not taking risks behind the wheel, maintaining a good credit score, being claim-free, and qualifying for all possible discounts. Compare rates every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following is a brief summary of the ideas that were covered in the above illustrations.

• Teens are the costliest to insure, possibly costing $434 each month if the policy includes full coverage
• Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,660 more annually for S4 insurance
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• It is possible to save approximately $170 per year simply by shopping early and online