Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually for full coverage. Comprehensive insurance costs approximately $300, collision insurance costs $588, and liability costs around $388. Buying just liability costs as low as $434 a year, and insurance for high-risk drivers costs $3,072 or more. Teenage drivers pay the highest rates at up to $5,212 a year.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical 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

Where you live can have significant affects on car insurance rates. Rural locations have fewer accident claims than densely populated cities. The price range example below illustrates how where you live affects auto insurance prices.

The ranges above show why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Detailed Rate Analysis

The chart below shows average 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 rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Using more expensive low deductibles for physical damage coverage costs an additional $394 every year
• Drivers who are prone to accidents and violations could pay around $3,072
• The price with full coverage for a teen driver with full coverage can cost $5,212 or more

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Insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

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

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

The state you live in has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices 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.

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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 Buy the Best Audi S4 Insurance

Getting lower rates on car insurance requires avoiding accidents and claims, having good credit, eliminating unnecessary coverage, and consideration of higher deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a brief recap of the data touched on in the above illustrations.

• Policyholders who purchase increased liability limits will pay an extra $430 each year to increase from a low limit to higher 250/500 limits
• Drivers can save around $170 per year just by shopping early and online
• Increasing physical damage deductibles could save up to $600 each year
• Drivers under the age of 20 are the costliest to insure, with premiums as much as $434 a month if they have full coverage