Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs approximately $300, collision costs $588, and liability coverage costs around $388. A policy with just liability insurance costs as low as $434 a year, with coverage for high-risk drivers costing $3,072 or more. 16-year-old drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different S4 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using rate averages.

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

Rate Comparisons

The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $795
• Using higher $1,000 deductibles will save $202 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,412
• Buying more expensive low deductibles for physical damage coverage will cost an additional $394 each year
• Higher-risk drivers with multiple tickets or accidents could pay around $3,072 or more
• The cost that insures a teenage driver with full coverage can cost $5,212 or more

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 additional per year, depending on your age. High-risk driver insurance can be around 44% to 134% more than the average rate. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

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

With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and rates can be significantly 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 Find Affordable Audi S4 Insurance

Saving money on auto insurance requires being a good driver, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Comparison shop every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The following list is a brief review of the material that was covered above.

• Consumers who purchase an increased level of liability coverage will pay around $430 annually to increase from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are the costliest to insure, costing up to $434 per month if comprehensive and collision insurance is included
• Drivers with DUI or reckless driving convictions could be charged and average of $1,660 more per year than a safer driver
• Increasing deductibles can save approximately $600 each year