Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months with full coverage. Comprehensive costs approximately $300 a year, collision costs $588, and liability is estimated at $388. Buying just liability costs approximately $434 a year, with insurance for high-risk drivers costing around $3,072. Teens 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:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts auto insurance prices.

The examples above demonstrate why it is important to get quotes using their specific location and their own driving history, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $795
• Choosing higher $1,000 deductibles can save $1,210 annually
• The average price for a good driver age 40 who chooses $500 deductibles is $1,412
• Selecting low $100 deductibles for comp and collision coverage increases the price to $1,806
• Unlucky drivers with serious driving violations could pay around $3,072 or more
• Policy cost to insure a teen driver can cost $5,212 each year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on liability limits and deductibles, your driving record, and the model of your S4.

Choosing higher comprehensive and collision insurance deductibles can save as much as $600 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out anywhere from $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy ranges as much as 44% to 134% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,020 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,900 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, so the 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 Shop for Cheaper Audi S4 Insurance

Finding cheaper rates on car insurance takes avoiding accidents and violations, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around at every other renewal by requesting rates from direct companies, and also from insurance agencies where you live.

The list below is a condensed summary of the concepts that were touched on above.

• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $1,660 more per year for car insurance
• Teenagers are expensive to insure, as much as $434 each month if they have full coverage
• You may be able to save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• You may be able to save around $170 per year simply by quoting early and online