Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year with full coverage. Comprehensive insurance costs an estimated $300, collision costs $588, and liability insurance is estimated at $388. A liability-only policy costs approximately $434 a year, with high-risk insurance costing $3,072 or more. Teens cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

These estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below details estimated Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,412
• Selecting pricier low deductibles for comp and collision coverage will cost an extra $394 a year
• High-risk insureds with serious driving violations could pay up to $3,072 or more
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $5,212 each year

View Chart as Image

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

A more mature driver with no driving violations and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,700 to $2,300 extra every year, depending on your age. Audi S4 insurance for high-risk drivers ranges anywhere from 44% to 134% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes 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 takes being a low-risk driver, having above-average credit, not filing small claims, and not having any coverage lapses. Invest the time to compare rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a brief summary of the concepts that were presented in the illustrations above.

• High-risk drivers that tend to have accidents or serious violations may pay on average $1,660 more annually to insure their S4
• Teen drivers have the highest car insurance rates, as much as $434 each month if full coverage is included
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $600 each year
• You may be able to save approximately $170 per year simply by quoting online well ahead of the renewal date