Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually for full coverage insurance. Comprehensive costs on average $300 each year, collision costs $588, and liability insurance costs $388. A liability-only policy costs as little as $434 a year, with high-risk insurance costing around $3,072. Teenage drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Rates are based on $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Rural areas are shown to have fewer physical damage claims than densely populated cities.

The graphic below illustrates how your location can change car insurance rates.

The examples above illustrate why all drivers should compare rates based on a specific location and their own personal driving habits, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay around $202 each year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,412
• Using low deductibles for comprehensive and collision insurance will cost $1,806
• High risk drivers who are prone to accidents and violations could pay upwards of $3,072 or more
• Policy cost with full coverage for a teen driver may cost $5,212 a year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $600 each year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Audi S4 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,900 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, so rate quotes will be varied 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 the Best Cheap Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to shop around at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The items below are a quick review of the data illustrated above.

• Drivers who require more liability coverage will pay an extra $430 annually to go from a 30/60 limit to higher 250/500 limits
• It is possible to save as much as $170 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Teen drivers are expensive to insure, possibly costing $434 each month if comprehensive and collision insurance is included