Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs on average $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. 16-year-old drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities.

The example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why everyone should compare rates based on a specific location and risk profile, instead of making a decision based on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $202 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,412
• Buying pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,806
• Drivers with multiple tickets or accidents could pay upwards of $3,072 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage may cost $5,212 a year

View Chart as Image

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

A more mature driver with no violations or accidents and high 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 good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $600 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at a minimum $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 the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to find out exactly what you will pay is to regularly compare rates from multiple companies. Every company utilizes a different rate formula, and rates will be varied from one company to the next.

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 the Right Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires being a good driver, but also having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick rundown of the information presented in the illustrations above.

• You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
• Drivers age 16 to 20 pay higher rates, as much as $434 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles can save around $600 each year
• Drivers considered higher risk with reckless driving or DUI convictions may be required to pay an average of $1,660 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay around $430 every year to go from a 30/60 limit to 250/500 limits