Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine insurance prices.

These rate differences show why anyone shopping for car insurance should get quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below shows average Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save approximately $202 a year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,412
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $394 annually
• Higher-risk drivers with serious driving violations could pay up to $3,072
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost as much as $5,212 each year

View Chart as Image

Car insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the trim level of your S4, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged at least $5,200 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 annually, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you could be paying $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges from 44% to 134% more than the average policy. View High Risk Driver Rates

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 Low Cost Audi S4 Insurance

Finding better rates on insurance for an Audi S4 takes having a decent driving record, having above-average credit, not filing small claims, and possibly higher deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

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

• 16 to 18-year-old drivers have the highest car insurance prices, as much as $434 per month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations pay an average of $1,660 more annually than a driver with a clean driving record
• Increasing policy deductibles can save around $600 each year
• Drivers can save approximately $170 per year just by shopping early and online