Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Price estimates by individual coverage:

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and S4 trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have a lower frequency of accident claims than densely populated cities.

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

The ranges above show why it is important to compare rates using their specific location and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay $1,210 a year
• The average rate for the average middle-age driver who chooses $500 deductibles is $1,412
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,806
• Higher-risk drivers who are prone to accidents and violations could pay around $3,072 or more
• The price for full coverage for a teen driver can cost $5,212 a year

View Chart as Image

Auto insurance prices for an Audi S4 are also quite variable based on your driving record, the trim level of your S4, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

The state you live in makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,010 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $600 every year, while buying higher liability limits will push prices upward. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, and quoted 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 Cheaper Audi S4 Insurance

Getting lower rates on car insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unnecessary coverage, and not having any coverage lapses. Invest time comparing rates once a year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a condensed summary of the data that was covered in the charts and tables above.

• Drivers can save around $170 per year simply by quoting early and online
• Policyholders who purchase increased liability limits will pay an extra $430 each year to go from a low limit to 250/500 limits
• Drivers under the age of 20 have the highest car insurance prices, with premiums as much as $434 a month if they have full coverage
• Higher risk drivers with multiple at-fault accidents may pay on average $1,660 more per year to insure an Audi S4