Audi S4 Insurance Rates

Estimated auto insurance rates for an Audi S4 are $1,456 annually for full coverage insurance. Comprehensive costs approximately $312 each year, collision costs $624, and liability is $384. Liability-only coverage costs around $432 a year, with high-risk coverage costing around $3,174. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates by type of coverage:

Price estimates include $500 deductible amounts, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have fewer physical damage claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance prices.

These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $816
• Raising to $1,000 deductibles will save $212 each year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,456
• Using low deductibles will cost $1,870
• Drivers who are prone to accidents and violations could pay around $3,174 or more
• An auto insurance policy with full coverage for a 16-year-old driver can cost $5,356

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your risk profile, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $630 annually, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit

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 $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy Cheaper Audi S4 Insurance

Finding better rates on insurance for an Audi S4 consists of having a good driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every couple of years by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a condensed summary of the material that was covered in the above illustrations.

• Insureds who purchase increased levels of liability coverage will pay an extra $420 annually to raise from 30/60 bodily injury limits to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, with premiums being up to $446 per month including comprehensive and collision insurance
• Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,720 more per year to buy Audi S4 insurance
• Increasing policy deductibles could save up to $625 each year