Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive costs approximately $300 each year, collision insurance costs $588, and liability costs $388. A policy with just liability insurance costs as little as $434 a year, and coverage for high-risk drivers costs around $3,072. 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:

Full coverage includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all U.S. states and S4 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why all drivers should compare rates using their specific location and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below details average Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay $202 annually
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,806
• Higher-risk drivers who are prone to accidents and violations could pay around $3,072
• The price for full coverage for a teen driver can cost $5,212 a year

View Chart as Image

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

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $600 every year, whereas increasing liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,300 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

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 More Affordable Audi S4 Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also maintaining good credit, avoid buying unnecessary coverage, and possibly raising deductibles. Take the time to compare rates every time your policy renews by getting quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a summary of the information covered in the above illustrations.

• You may be able to save around $170 per year just by quoting online in advance
• 16 to 18-year-old drivers are expensive to insure, costing up to $434 a month for full coverage
• Increasing physical damage deductibles can save around $600 each year
• Higher risk drivers who have multiple accidents or major violations pay on average $1,660 more per year than a driver with a clean driving record
• Policyholders who purchase additional liability coverage will pay an extra $430 every year to go from a low limit to 250/500 limits