Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,412 a year for full coverage insurance. Comprehensive insurance costs an estimated $300, collision costs $588, and liability is $388. A liability-only policy costs around $434 a year, with high-risk insurance costing $3,072 or more. Teen drivers cost the most to insure at $5,212 a year or more.

Average premium for full coverage: $1,412

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates how location impacts insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of making a decision based on price averages.

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

Additional Rate Details

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

• The lowest rate with discounts is $795
• Raising to $1,000 deductibles will save approximately $202 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,412
• Choosing more expensive low deductibles will cost an additional $394 annually
• Drivers with multiple violations and an at-fault accident could pay up to $3,072 or more
• Policy cost that insures a 16-year-old driver with full coverage can cost as much as $5,212

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on the model year and trim level, your age and driving record, and liability limits and deductibles.

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

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low 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 will be charged at least $5,200 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles can reduce rates by up to $600 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Every auto insurance company uses a different rate calculation, so rate quotes 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 the Best Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 consists of being a low-risk driver, having a positive credit history, being claim-free, and not having any coverage lapses. Shop around every couple of years by getting rate quotes from direct insurance companies, and also from local insurance agencies.

The items below are a brief recap of the material that was touched on above.

• Insureds who want more liability coverage will pay about $430 annually to raise from a 30/60 limit to the 250/500 level
• Teen drivers have the highest car insurance rates, possibly costing $434 each month if full coverage is purchased
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,660 more annually to insure their S4
• Increasing comprehensive and collision deductibles can save approximately $600 each year