Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,456 a year for full coverage. Comprehensive costs approximately $312, collision costs $624, and liability is estimated at $384. A policy with just liability insurance costs approximately $432 a year, with coverage for high-risk drivers costing around $3,174. Teen drivers pay the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all states and for different S4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than larger metro areas.

The price range example below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $816
• Choosing higher $1,000 deductibles can save $212 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,456
• Choosing more expensive low deductibles for comp and collision coverage will increase the cost to $1,870
• Unlucky drivers with multiple violations and an at-fault accident could pay around $3,174 or more
• The price for full coverage for a teen driver with full coverage can cost $5,356 each year

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on your driving record, the trim level of your S4, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may pay as little as $1,400 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or as much as $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $630 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $345 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,400 extra each year, depending on your age. High-risk driver insurance ranges as much as 45% to 130% more than average. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite different 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

Getting lower rates on car insurance takes having a decent driving record, maintaining good credit, eliminating unnecessary coverage, and maximizing policy discounts. Take the time to compare rates at least once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a quick rundown of the primary concepts that were covered in the above illustrations.

• Drivers can save around $180 per year simply by shopping early and online
• Higher risk drivers with reckless driving or DUI convictions may pay on average $1,720 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save around $625 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums as much as $446 a month for full coverage