Audi S4 Insurance Rates

Estimated insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability coverage costs around $388. A policy with only liability insurance costs as low as $434 a year, with a high-risk policy costing $3,072 or more. Teens 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 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on car insurance rates. Rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on auto insurance prices.

These rate differences show why everyone should compare prices using their specific location and risk profile, rather than using averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save $202 a year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Selecting pricier low deductibles for physical damage coverage will cost an extra $394 each year
• Higher-risk drivers with serious driving violations could pay around $3,072 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost $5,212 or more

View Chart as Image

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

A more mature driver with no driving violations and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Audi S4 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 a year, whereas buying more liability protection will push prices upward. Going from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 extra annually, depending on your age. Audi S4 insurance for high-risk drivers can be around 44% to 134% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to regularly compare prices and see how they stack up. Each insurance company calculates prices differently, so rate quotes will be substantially different 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 Low Cost Audi S4 Insurance

Finding better rates on auto insurance requires having a good driving record, having above-average credit, not filing small claims, and avoiding coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a review of the data covered in the above illustrations.

• Consumers who purchase increased levels of liability coverage will pay approximately $430 each year to increase from 30/60 bodily injury limits to 250/500 limits
• Drivers can save around $170 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles can save around $600 each year
• Drivers age 20 and younger pay the highest auto insurance prices, as much as $434 per month if full coverage is included