Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive costs on average $300, collision costs $588, and liability is $388. A liability-only policy costs around $434 a year, with high-risk insurance costing around $3,072. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of using average rates.

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

More Rate Information

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

• The best discount rate is $795
• Raising to $1,000 deductibles will save around $202 every year
• The average price for a 40-year-old good driver with $500 deductibles is $1,412
• Using more expensive low deductibles increases the price to $1,806
• At-risk drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $5,212

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Auto insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your S4.

Using high physical damage deductibles can reduce prices by up to $600 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $349 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay upwards of $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Audi S4 insurance prices. A middle-age driver might find prices as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

With such a large range in prices, the best way to figure out exactly what you will pay is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially 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 Shop for Cheaper Audi S4 Insurance

Finding better rates on car insurance consists of avoiding accidents and claims, having a good credit score, refrain from filing small claims, and taking advantage of discounts. Spend time shopping around at every policy renewal by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a condensed summary of the data touched on above.

• Policyholders who require increased liability limits will pay an extra $430 per year to raise from 30/60 bodily injury limits to a 250/500 level
• You may be able to save as much as $170 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $600 each year
• Drivers under the age of 20 are charged the highest prices, with the cost nearing $434 per month if comprehensive and collision insurance is included