Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

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

These rate differences highlight why everyone should compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Raising to $1,000 deductibles will save about $202 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $1,412
• Using pricier low deductibles will cost $1,806
• Unlucky drivers who are prone to accidents and violations could pay at least $3,072 or more
• An auto insurance policy with full coverage for a teenage driver for full coverage can be $5,212

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Insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driving characteristics, and deductibles and policy limits.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,700 to $2,300 extra annually, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost around 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $600 a year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

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

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With such a large range in prices, the best way to figure out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices will be substantially different between companies.

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 Buy Affordable Audi S4 Insurance

Finding better rates on auto insurance consists of having a decent driving record, having a good credit history, refrain from filing small claims, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following items are a brief review of the information covered in the charts and tables above.

• You may be able to save up to $170 per year simply by quoting online well ahead of the renewal date
• 16 to 18-year-old drivers pay higher prices, with the cost nearing $434 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $600 each year
• Drivers with DUI or reckless driving convictions may pay on average $1,660 more every year than a driver with a clean driving record
• Consumers who may need additional liability coverage will pay an extra $430 per year to raise from 30/60 bodily injury limits to higher 250/500 limits