Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
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Estimated insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive costs an estimated $312, collision insurance costs $624, and liability costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs around $3,174. 16-year-old drivers pay the most at up to $5,356 a year.
Average premium for full coverage: $1,456
Premium estimates broken down by type of coverage:
Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different S4 trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for an Audi S4 range from the low end price of $432 for minimum levels of liability insurance to a much higher rate of $3,174 for coverage for higher-risk drivers.
Insurance Price Range by Location
Your location can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates how geographic area affects insurance prices.
These rate differences highlight why anyone shopping for car insurance should compare rates for a targeted area, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down average Audi S4 insurance rates for other coverage scenarios.
- The best full coverage rate is $816
- Drivers who choose higher $1,000 deductibles will pay approximately $212 every year
- The estimated price for a 40-year-old good driver who has $500 deductibles is $1,456
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,870
- Drivers with multiple tickets or accidents could pay up to $3,174
- An auto insurance policy that insures a 16-year-old driver with full coverage can cost as much as $5,356 a year
Insurance prices for an Audi S4 also have a wide range based on the model year and trim level, your driving record and age, and liability limits and deductibles.
If you have a few violations or you caused an accident, you are likely paying $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost from 45% to 130% more than the average rate. View High Risk Driver Rates
An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $5,300 a year. View Rates by Age
Where you choose to live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,080 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,314 | -$142 | -9.8% |
| Alaska | $1,116 | -$340 | -23.4% |
| Arizona | $1,208 | -$248 | -17.0% |
| Arkansas | $1,456 | -$0 | 0.0% |
| California | $1,658 | $202 | 13.9% |
| Colorado | $1,388 | -$68 | -4.7% |
| Connecticut | $1,494 | $38 | 2.6% |
| Delaware | $1,646 | $190 | 13.0% |
| Florida | $1,820 | $364 | 25.0% |
| Georgia | $1,346 | -$110 | -7.6% |
| Hawaii | $1,046 | -$410 | -28.2% |
| Idaho | $986 | -$470 | -32.3% |
| Illinois | $1,084 | -$372 | -25.5% |
| Indiana | $1,098 | -$358 | -24.6% |
| Iowa | $984 | -$472 | -32.4% |
| Kansas | $1,382 | -$74 | -5.1% |
| Kentucky | $1,984 | $528 | 36.3% |
| Louisiana | $2,156 | $700 | 48.1% |
| Maine | $898 | -$558 | -38.3% |
| Maryland | $1,200 | -$256 | -17.6% |
| Massachusetts | $1,160 | -$296 | -20.3% |
| Michigan | $2,526 | $1,070 | 73.5% |
| Minnesota | $1,220 | -$236 | -16.2% |
| Mississippi | $1,742 | $286 | 19.6% |
| Missouri | $1,292 | -$164 | -11.3% |
| Montana | $1,562 | $106 | 7.3% |
| Nebraska | $1,146 | -$310 | -21.3% |
| Nevada | $1,746 | $290 | 19.9% |
| New Hampshire | $1,050 | -$406 | -27.9% |
| New Jersey | $1,626 | $170 | 11.7% |
| New Mexico | $1,288 | -$168 | -11.5% |
| New York | $1,532 | $76 | 5.2% |
| North Carolina | $836 | -$620 | -42.6% |
| North Dakota | $1,192 | -$264 | -18.1% |
| Ohio | $1,002 | -$454 | -31.2% |
| Oklahoma | $1,494 | $38 | 2.6% |
| Oregon | $1,334 | -$122 | -8.4% |
| Pennsylvania | $1,386 | -$70 | -4.8% |
| Rhode Island | $1,942 | $486 | 33.4% |
| South Carolina | $1,320 | -$136 | -9.3% |
| South Dakota | $1,228 | -$228 | -15.7% |
| Tennessee | $1,274 | -$182 | -12.5% |
| Texas | $1,754 | $298 | 20.5% |
| Utah | $1,078 | -$378 | -26.0% |
| Vermont | $994 | -$462 | -31.7% |
| Virginia | $872 | -$584 | -40.1% |
| Washington | $1,124 | -$332 | -22.8% |
| West Virginia | $1,334 | -$122 | -8.4% |
| Wisconsin | $1,006 | -$450 | -30.9% |
| Wyoming | $1,296 | -$160 | -11.0% |
Opting for high physical damage deductibles could save up to $630 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
| Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
| Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $384 | $750 | $332 | $1,602 |
| 2023 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2022 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2021 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2020 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2019 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2018 Audi S4 | $300 | $588 | $388 | $1,412 |
| 2016 Audi S4 | $270 | $484 | $390 | $1,280 |
| 2014 Audi S4 | $254 | $424 | $402 | $1,216 |
| 2010 Audi S4 | $200 | $296 | $402 | $1,034 |
| 2009 Audi S4 | $194 | $266 | $398 | $994 |
| 2007 Audi S4 | $188 | $248 | $384 | $956 |
| 2006 Audi S4 | $172 | $236 | $380 | $924 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find the Best Cheap Audi S4 Insurance
Finding better rates on insurance for an Audi S4 not only requires being safe and accident-free, but also having above-average credit, refrain from filing small claims, and deciding if full coverage is necessary. Comparison shop at least once a year by getting quotes from direct car insurance companies, and also from your local car insurance providers.
Below you'll find a quick review of the primary concepts that were presented in the illustrations above.
- You may be able to save approximately $180 per year just by shopping early and online
- Drivers considered higher risk with a DUI or reckless driving violation could be charged and average of $1,720 more annually than a low-risk driver
- Increasing policy deductibles can save approximately $625 each year
- Youthful drivers are charged the highest prices, with the cost nearing $446 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,356 |
| 20 | $3,382 |
| 30 | $1,526 |
| 40 | $1,456 |
| 50 | $1,330 |
| 60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,870 |
| $250 | $1,678 |
| $500 | $1,456 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,456 |
| 50/100 | $1,533 |
| 100/300 | $1,629 |
| 250/500 | $1,878 |
| 100 CSL | $1,571 |
| 300 CSL | $1,782 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,686 |
| 20 | $5,390 |
| 30 | $3,252 |
| 40 | $3,174 |
| 50 | $3,024 |
| 60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $79 |
| Multi-vehicle | $78 |
| Homeowner | $21 |
| 5-yr Accident Free | $114 |
| 5-yr Claim Free | $96 |
| Paid in Full/EFT | $71 |
| Advance Quote | $75 |
| Online Quote | $106 |
| Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
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