Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive costs around $300 a year, collision insurance costs $588, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs around $3,072. Teens cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates for type of insurance:

Rate estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down average Audi S4 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save about $1,210 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,412
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $1,806
• Higher-risk drivers with serious driving violations could pay at least $3,072
• Policy cost that insures a 16-year-old driver can be $5,212 each year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level of your S4, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, 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 as much as $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,010 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while buying higher liability limits will increase rates. Changing 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

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 Best Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare rates at least once a year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The following list is a brief recap of the primary concepts that were covered above.

• You may be able to save up to $170 per year just by quoting early and online
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,660 more every year than a safer driver
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $434 each month if comprehensive and collision insurance is included