Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs on average $300 a year, collision costs $588, and liability insurance costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $3,072 or more. Teenage drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above show why it is important to compare rates based on a specific location and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below shows estimated Audi S4 insurance rates for different risk profiles and scenarios.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $1,210 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,412
• Using low $100 deductibles for comprehensive and collision insurance will cost an extra $394 a year
• High risk drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• Policy cost for full coverage for a teen driver may cost $5,212 a year

View Chart as Image

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

Older drivers with no violations or accidents and high deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

Your home state makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could save up to $600 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Cheap Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance not only requires having a decent driving record, but also having a good credit history, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The following items are a brief summary of the coverage data illustrated above.

• Drivers can save as much as $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $600 each year
• 16 to 18-year-old drivers pay higher rates, costing up to $434 each month including comprehensive and collision insurance
• High-risk drivers that tend to have accidents or serious violations will pay on average $1,660 more each year than a driver with a clean driving record