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 a year, collision costs $588, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $3,072 or more. Teenage drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates broken down by type of coverage:

Prices are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

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

These rate differences show why it is important to compare rates for a targeted area, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay approximately $1,210 a year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $1,412
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $394 every year
• Higher-risk drivers who are prone to accidents and violations could pay up to $3,072 or more
• An auto insurance policy that insures a teen driver can cost as much as $5,212 a year

View Chart as Image

Insurance prices for an Audi S4 also have a wide range based on the trim level of your S4, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,700 to $2,300 extra annually, 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

Older drivers with a clean driving record and higher comprehensive and collision deductibles may 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, since even teens with perfect driving records can expect to pay at least $5,200 a year. View Rates by Age

Where you choose to live 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 increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to get quotes and see which company has the best price. Every company uses a different method to calculate prices, so the prices will be substantially 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 Affordable Audi S4 Insurance

Finding better rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and taking advantage of discounts. Compare prices at least every other year by quoting rates from direct carriers, and also from your local independent and exclusive agents.

The list below is a brief review of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with DUI or reckless driving convictions may pay on average $1,660 more annually for car insurance
• Drivers can save approximately $170 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $600 each year
• Policyholders who want higher liability limits will pay an extra $430 each year to go from 30/60 bodily injury limits to the 250/500 level