Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,412 a year including full coverage. Comprehensive insurance costs approximately $300, collision costs $588, and liability is $388. Buying just liability costs around $434 a year, with insurance for high-risk drivers costing $3,072 or more. Teenage drivers receive the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Rate estimates by individual coverage type:

Prices include $500 deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

These examples highlight why everyone should compare rates quotes using their specific location, instead of making a decision based on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $795
• Raising to $1,000 deductibles will save $202 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,412
• Using pricier low deductibles will cost an additional $394 annually
• Drivers who are prone to accidents and violations could pay around $3,072 or more
• The cost that insures a 16-year-old driver for full coverage can cost $5,212

View Chart as Image

Auto insurance rates for an Audi S4 can also vary considerably based on the model of your S4, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,700 to $2,300 in extra premium per year, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost from 44% to 134% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $5,200 a year. View Rates by Age

Where you live also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $600 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $349 extra every year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out who has the best auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly 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 the Right Audi S4 Insurance

Saving money on insurance for an Audi S4 consists of not taking risks behind the wheel, maintaining a good credit score, not filing small claims, and not having any coverage lapses. Compare prices once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following is a quick rundown of the data that was covered in the charts and tables above.

• You may be able to save around $170 per year simply by quoting online well ahead of the renewal date
• Insureds who purchase higher liability limits will pay an extra $430 per year to raise from a minimum limit to the 250/500 level
• Teens have the highest car insurance rates, as much as $434 per month if the policy includes full coverage
• Drivers considered higher risk with reckless driving or DUI convictions will likely pay on average $1,660 more per year for S4 insurance