Audi S4 Insurance Rates

Average insurance prices for an Audi S4 are $1,412 every 12 months for full coverage insurance. Comprehensive costs an estimated $300, collision insurance costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, and insurance for high-risk drivers costs around $3,072. Teenage drivers receive the highest rates at up to $5,212 a year.

Average premium for full coverage: $1,412

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why everyone should get quotes for a targeted area and their own driving history, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save approximately $202 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,412
• Using pricier low deductibles for comp and collision coverage increases the price to $1,806
• Unlucky drivers who are prone to accidents and violations could pay up to $3,072
• The cost to insure a teen driver for full coverage can cost as much as $5,212 each year

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Auto insurance rates for an Audi S4 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can save as much as $600 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,700 to $2,300 in extra premium per year, depending on your age. Audi S4 insurance for high-risk drivers ranges as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Where you live 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 be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.

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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 Affordable Audi S4 Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The list below is a brief review of the material that was covered above.

• Policyholders who want higher liability limits will pay an extra $430 annually to raise limits from a minimum limit to a 250/500 level
• Teenagers are the costliest to insure, costing up to $434 per month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,660 more annually for car insurance
• Increasing deductibles could save as much as $600 each year