Audi S4 Insurance Rates

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

Average premium for full coverage: $1,412

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location and risk profile, rather than relying on average rates.

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

Additional Rate Details

The chart below illustrates 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 $202 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,412
• Using low deductibles for comprehensive and collision insurance will increase the cost to $1,806
• High risk drivers who are prone to accidents and violations could pay around $3,072 or more
• An auto insurance policy for full coverage for a teen driver can cost $5,212 a year

View Chart as Image

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

More mature drivers with no driving violations and high deductibles could pay as little as $1,300 per year 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 in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live 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 North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $600 each year, whereas increasing liability limits will push prices upward. Switching 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 are probably paying anywhere from $1,700 to $2,300 extra annually, 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

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate prices, so rate quotes will be substantially 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 More Affordable Audi S4 Insurance

Finding better rates on Audi S4 insurance not only requires being safe and accident-free, but also having above-average credit, paying for small claims out-of-pocket, and avoiding coverage lapses. Set aside time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the material that was covered above.

• Drivers who purchase more liability protection will pay an extra $430 annually to go from 30/60 bodily injury limits to 250/500 limits
• Youthful drivers pay the highest auto insurance prices, with premiums being up to $434 per month if full coverage is included
• High-risk drivers who have multiple accidents or major violations may pay on average $1,660 more per year than a low-risk driver
• Increasing policy deductibles can save around $600 each year