Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,456 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $312 a year, collision insurance costs $624, and liability costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs $3,174 or more. 16-year-old drivers cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Rate estimates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities. The diagram below illustrates how location impacts insurance prices.

The examples above illustrate why it is important to compare rates for a targeted area and their own driving history, instead of making a decision based on rate averages.

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

Additional Rate Details

The chart below illustrates average Audi S4 insurance rates for other coverage scenarios.

• The best full coverage rate is $816
• Drivers who choose higher $1,000 deductibles will pay approximately $1,244 each year
• The average price for a good driver age 40 who has $500 deductibles is $1,456
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $414 annually
• Drivers with multiple tickets or accidents could pay up to $3,174
• Policy cost to insure a 16-year-old driver can cost as much as $5,356 a year

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Insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Opting for high physical damage deductibles could save up to $630 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $345 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,700 to $2,400 additional every year, depending on your age. A high-risk auto insurance policy can cost from 45% to 130% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,960 on average in Florida, New York, 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 Shop for the Best Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and possibly raising deductibles. Spend time shopping around at every policy renewal by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the data touched on above.

• Insureds who want higher liability limits will pay around $420 annually to go from a 30/60 limit to a 250/500 level
• It is possible to save approximately $180 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $625 each year
• Teens are expensive to insure, possibly costing $446 each month if full coverage is included