Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive insurance costs around $300 a year, collision costs $588, and liability costs around $388. Liability-only insurance costs as low as $434 a year, with high-risk driver insurance costing $3,072 or more. Teen drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences demonstrate why it is important to compare prices for a specific zip code and their own driving history, instead of using price averages.

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

Additional Charts and Tables

The chart below details estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save about $1,210 annually
• The average price for a 40-year-old good driver using $500 deductibles is $1,412
• Choosing low $100 deductibles for physical damage coverage costs an extra $394 every year
• Drivers with multiple violations and an at-fault accident could pay at least $3,072 or more
• An auto insurance policy to insure a teen driver can be $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.

Choosing high deductibles could cut prices by as much as $600 every year, while buying higher liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $349 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 134% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,900 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out your exact price is to get quotes and see which company has the best price. Each insurance company uses a different rate calculation, and prices will be substantially different.

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 Cheaper Audi S4 Insurance

Finding better rates on car insurance requires being safe and accident-free, having above-average credit, being claim-free, and taking advantage of discounts. Set aside time to compare rates every couple of years by quoting rates from direct companies, and also from several local insurance agents.

Below you'll find a condensed summary of the material that was covered above.

• Policyholders who may need more liability protection will pay about $430 every year to increase from 30/60 bodily injury limits to a 250/500 level
• Youthful drivers are charged the highest prices, possibly costing $434 per month if full coverage is included
• Higher risk drivers with multiple at-fault accidents pay on average $1,660 more every year than a low-risk driver
• Increasing policy deductibles could save as much as $600 each year