Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability coverage costs $388. A policy with only liability insurance costs as little as $434 a year, with a high-risk policy costing $3,072 or more. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using average rates.

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

Additional Rate Analysis

The chart below details estimated 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 estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $394 each year
• High-risk insureds who are prone to accidents and violations could pay around $3,072 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $5,212 a year

View Chart as Image

Car insurance prices for an Audi S4 also have a wide range based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Audi S4 insurance rates. 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 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes will be substantially 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 Low Cost Audi S4 Insurance

Finding better rates on auto insurance not only requires being a good driver, but also having a positive credit history, being claim-free, and avoiding coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct companies, and also from local insurance agencies.

The following list is a review of the data raised in the charts and tables above.

• Consumers who purchase an increased level of liability coverage will pay an extra $430 every year to go from 30/60 bodily injury limits to the 250/500 level
• You may be able to save around $170 per year simply by shopping early and online
• Increasing policy deductibles can save approximately $600 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, possibly costing $434 per month if full coverage is purchased