Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,456 every 12 months for full coverage. Comprehensive costs on average $312 a year, collision insurance costs $624, and liability coverage is $384. Liability-only coverage costs around $432 a year, and high-risk coverage costs around $3,174. Teens cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare rates quotes based on a specific location and their own driving history, rather than using averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $816
• Raising to $1,000 deductibles will save around $1,244 a year
• The average price for a good driver age 40 with $500 deductibles is $1,456
• Selecting low $100 deductibles increases the price to $1,870
• Unlucky drivers with serious driving violations could pay upwards of $3,174
• Policy cost to insure a teenage driver may cost $5,356

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your driver profile, and the trim level of your S4.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $630 a year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 45% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $960 a year in states like Idaho, Maine, and Iowa, or have to pay at least $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Shop for Cheaper Audi S4 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The items below are a condensed summary of the primary concepts that were illustrated above.

• Drivers can save as much as $180 per year just by quoting early and online
• Drivers with multiple at-fault accidents pay an average of $1,720 more each year to insure their S4
• Increasing comprehensive and collision deductibles could save as much as $625 each year
• Teen drivers pay higher rates, costing up to $446 each month if full coverage is included