Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive costs approximately $300 a year, collision costs $588, and liability insurance is $388. Liability-only coverage costs around $434 a year, with high-risk coverage costing around $3,072. 16-year-old 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:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare rates quotes using their specific location, rather than relying on rate averages.

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

Additional Charts and Tables

The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $795
• Raising to $1,000 deductibles will save $1,210 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,412
• Buying low $100 deductibles bumps up the cost to $1,806
• Higher-risk drivers with multiple tickets or accidents could pay around $3,072 or more
• Policy cost that insures a teen driver can cost $5,212

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the trim level of your S4, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 134% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi S4 insurance rates. A middle-age driver might find rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $600 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Cheap Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance consists of not taking risks behind the wheel, having a good credit score, being claim-free, and qualifying for all possible discounts. Comparison shop every time your policy renews by getting quotes from direct insurance companies, and also from your local car insurance providers.

The following is a brief summary of the information covered in the above illustrations.

• It is possible to save around $170 per year simply by quoting early and online
• Teens are the costliest to insure, possibly costing $434 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $600 each year
• High-risk drivers that tend to have accidents or serious violations could be charged and average of $1,660 more per year for S4 insurance
• Drivers who purchase higher liability limits will pay around $430 annually to raise from a 30/60 limit to the 250/500 level