Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability costs around $388. Liability-only coverage costs as low as $434 a year, with high-risk coverage costing $3,072 or more. Teenage 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 physical damage deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location, 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 shows estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $795
• Using higher $1,000 deductibles will save $202 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,412
• Using more expensive low deductibles for physical damage coverage will cost an additional $394 annually
• High-risk insureds who are prone to accidents and violations could pay around $3,072 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost $5,212 or more

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can be from 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $600 annually, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and rates will be varied.

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 requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare prices every time your policy renews by requesting quotes from direct carriers, and also from insurance agencies where you live.

Below is a quick rundown of the information presented in the illustrations above.

• Drivers can save around $170 per year simply by shopping early and online
• Teenage drivers are the costliest to insure, costing up to $434 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers considered higher risk with reckless driving or DUI convictions could be forced to pay on average $1,660 more per year for auto insurance
• Insureds who purchase higher levels of liability will pay an extra $430 each year to increase from a 30/60 limit to the 250/500 level