Audi S4 Insurance Rates

U.S. average insurance rates for an Audi S4 are $1,456 a year for full coverage. Comprehensive insurance costs around $312 a year, collision costs $624, and liability insurance is estimated at $384. Buying just liability costs approximately $432 a year, with insurance for high-risk drivers costing $3,174 or more. Teenage drivers pay the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Price estimates for individual coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.

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

The ranges above show why it is important to get quotes for a specific zip code, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $816
• Choosing higher $1,000 deductibles can save about $1,244 a year
• The estimated price for the average middle-age driver using $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage will cost an additional $414 a year
• High-risk insureds who are prone to accidents and violations could pay at least $3,174 or more
• The price that insures a teen driver can be $5,356 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you could be paying at least $1,700 to $2,400 additional each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $960 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,080 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $630 each year, while buying higher liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $345 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices may be quite 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 Best Cheap Audi S4 Insurance

Getting lower rates on Audi S4 insurance takes having a decent driving record, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices at least once a year by quoting rates from direct carriers, and also from several local insurance agents.

The following items are a quick review of the primary concepts that were covered in the charts and tables above.

• Drivers can save up to $180 per year simply by quoting early and online
• High-risk drivers with a DUI or reckless driving violation pay on average $1,720 more every year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $625 each year
• 16 to 18-year-old drivers are charged the highest prices, with premiums as much as $446 a month if comprehensive and collision insurance is included