Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive costs around $300, collision costs $588, and liability insurance is $388. A policy with only liability insurance costs around $434 a year, with a high-risk policy costing around $3,072. Teens pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Prices are based on $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion.

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

These rate differences illustrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $795
• Raising to $1,000 deductibles will save about $202 each year
• The average rate for a 40-year-old good driver using $500 deductibles is $1,412
• Selecting pricier low deductibles will increase the cost to $1,806
• Higher-risk drivers with serious driving violations could pay at least $3,072 or more
• An auto insurance policy for full coverage for a teen driver for full coverage can be $5,212

View Chart as Image

Car insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged as much as $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Audi S4 insurance rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,900 on average in Michigan, New York, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $600 each year, whereas buying more liability protection will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra annually, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out your exact price is to regularly compare prices from as many companies as possible. Every auto insurance company calculates prices differently, so rate quotes will be substantially 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 Affordable Audi S4 Insurance

Finding better rates on Audi S4 insurance consists of being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at every other renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

Below is a brief review of the concepts that were covered above.

• High-risk drivers with DUI or reckless driving convictions may pay on average $1,660 more every year for auto insurance
• Teenage drivers are the costliest to insure, with premiums being up to $434 per month if full coverage is included
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $600 each year
• It is possible to save up to $170 per year simply by quoting online well ahead of the renewal date