Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,412 a year for full coverage. Comprehensive costs on average $300 a year, collision costs $588, and liability costs around $388. Buying just liability costs as low as $434 a year, with insurance for high-risk drivers costing around $3,072. Teens pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $795
• Using higher $1,000 deductibles will save around $1,210 a year
• The average rate for the average middle-age driver with $500 deductibles is $1,412
• Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,806
• High-risk insureds with serious driving violations could pay upwards of $3,072 or more
• The price for full coverage for a 16-year-old driver may cost $5,212 or more

View Chart as Image

Insurance prices for an Audi S4 are also quite variable based on your driving record, the trim level of your S4, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,300 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $600 annually, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,700 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates prices differently, and prices may be quite 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 Affordable Audi S4 Insurance

Getting lower rates on insurance for an Audi S4 requires being a low-risk driver, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a brief review of the car insurance concepts covered above.

• Drivers considered higher risk with DUI or reckless driving convictions will pay on average $1,660 more each year to insure their S4
• Drivers can save as much as $170 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $600 each year
• Insureds who require more liability coverage will pay approximately $430 each year to increase from a low limit to 250/500 limits