Audi S4 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: May 20, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Estimated insurance prices for an Audi S4 are $1,456 every 12 months for full coverage insurance. Comprehensive costs approximately $312, collision costs $624, and liability costs around $384. Liability-only coverage costs as low as $432 a year, with high-risk coverage costing around $3,174. 16-year-old drivers pay the most at $5,356 a year or more.
Average premium for full coverage: $1,456
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for different S4 trim levels.
Insurance Price Range by Risk and Coverage
For the average driver, insurance rates for an Audi S4 go from the cheapest price of $432 for just the minimum liability insurance to a much higher rate of $3,174 for a driver that may need high-risk insurance.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how location impacts auto insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Analysis
The chart below illustrates estimated Audi S4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $816
- Using higher $1,000 deductibles will save $212 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,456
- Buying more expensive low deductibles for physical damage coverage increases the price to $1,870
- High-risk insureds with multiple tickets or accidents could pay around $3,174 or more
- An auto insurance policy to insure a 16-year-old driver with full coverage can cost $5,356 or more
Insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your S4.
Opting for high physical damage deductibles could cut prices by as much as $630 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $345 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $5,300 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can be from 45% to 130% more than the average rate. View High Risk Driver Rates
Where you choose to live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see prices as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,960 on average in Florida, New York, and Michigan.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,314 | -$142 | -9.8% |
Alaska | $1,116 | -$340 | -23.4% |
Arizona | $1,208 | -$248 | -17.0% |
Arkansas | $1,456 | -$0 | 0.0% |
California | $1,658 | $202 | 13.9% |
Colorado | $1,388 | -$68 | -4.7% |
Connecticut | $1,494 | $38 | 2.6% |
Delaware | $1,646 | $190 | 13.0% |
Florida | $1,820 | $364 | 25.0% |
Georgia | $1,346 | -$110 | -7.6% |
Hawaii | $1,046 | -$410 | -28.2% |
Idaho | $986 | -$470 | -32.3% |
Illinois | $1,084 | -$372 | -25.5% |
Indiana | $1,098 | -$358 | -24.6% |
Iowa | $984 | -$472 | -32.4% |
Kansas | $1,382 | -$74 | -5.1% |
Kentucky | $1,984 | $528 | 36.3% |
Louisiana | $2,156 | $700 | 48.1% |
Maine | $898 | -$558 | -38.3% |
Maryland | $1,200 | -$256 | -17.6% |
Massachusetts | $1,160 | -$296 | -20.3% |
Michigan | $2,526 | $1,070 | 73.5% |
Minnesota | $1,220 | -$236 | -16.2% |
Mississippi | $1,742 | $286 | 19.6% |
Missouri | $1,292 | -$164 | -11.3% |
Montana | $1,562 | $106 | 7.3% |
Nebraska | $1,146 | -$310 | -21.3% |
Nevada | $1,746 | $290 | 19.9% |
New Hampshire | $1,050 | -$406 | -27.9% |
New Jersey | $1,626 | $170 | 11.7% |
New Mexico | $1,288 | -$168 | -11.5% |
New York | $1,532 | $76 | 5.2% |
North Carolina | $836 | -$620 | -42.6% |
North Dakota | $1,192 | -$264 | -18.1% |
Ohio | $1,002 | -$454 | -31.2% |
Oklahoma | $1,494 | $38 | 2.6% |
Oregon | $1,334 | -$122 | -8.4% |
Pennsylvania | $1,386 | -$70 | -4.8% |
Rhode Island | $1,942 | $486 | 33.4% |
South Carolina | $1,320 | -$136 | -9.3% |
South Dakota | $1,228 | -$228 | -15.7% |
Tennessee | $1,274 | -$182 | -12.5% |
Texas | $1,754 | $298 | 20.5% |
Utah | $1,078 | -$378 | -26.0% |
Vermont | $994 | -$462 | -31.7% |
Virginia | $872 | -$584 | -40.1% |
Washington | $1,124 | -$332 | -22.8% |
West Virginia | $1,334 | -$122 | -8.4% |
Wisconsin | $1,006 | -$450 | -30.9% |
Wyoming | $1,296 | -$160 | -11.0% |
With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from multiple companies. Each insurance company utilizes a different rate formula, so the prices will be substantially different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,420 | $118 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
Audi S4 Quattro 4-Dr Sedan | $1,456 | $121 |
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.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2024 Audi S4 | $384 | $750 | $332 | $1,602 |
2023 Audi S4 | $370 | $744 | $338 | $1,588 |
2022 Audi S4 | $356 | $726 | $354 | $1,572 |
2021 Audi S4 | $344 | $696 | $364 | $1,540 |
2020 Audi S4 | $326 | $672 | $376 | $1,510 |
2019 Audi S4 | $312 | $624 | $384 | $1,456 |
2018 Audi S4 | $300 | $588 | $388 | $1,412 |
2016 Audi S4 | $270 | $484 | $390 | $1,280 |
2014 Audi S4 | $254 | $424 | $402 | $1,216 |
2010 Audi S4 | $200 | $296 | $402 | $1,034 |
2009 Audi S4 | $194 | $266 | $398 | $994 |
2007 Audi S4 | $188 | $248 | $384 | $956 |
2006 Audi S4 | $172 | $236 | $380 | $924 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Audi S4 Insurance
Finding better rates on insurance for an Audi S4 requires being safe and accident-free, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around once a year by obtaining price quotes from direct insurance companies, and also from local insurance agencies.
Below you'll find a brief recap of the data that was touched on above.
- It is possible to save around $180 per year simply by shopping early and online
- Insureds who purchase more liability protection will pay around $420 annually to increase from 30/60 bodily injury limits to a 250/500 level
- Youthful drivers are expensive to insure, with premiums being up to $446 per month if they have full coverage
- Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,720 more per year than a low-risk driver
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,356 |
20 | $3,382 |
30 | $1,526 |
40 | $1,456 |
50 | $1,330 |
60 | $1,306 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,870 |
$250 | $1,678 |
$500 | $1,456 |
$1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,456 |
50/100 | $1,533 |
100/300 | $1,629 |
250/500 | $1,878 |
100 CSL | $1,571 |
300 CSL | $1,782 |
500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,686 |
20 | $5,390 |
30 | $3,252 |
40 | $3,174 |
50 | $3,024 |
60 | $3,000 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $79 |
Multi-vehicle | $78 |
Homeowner | $21 |
5-yr Accident Free | $114 |
5-yr Claim Free | $96 |
Paid in Full/EFT | $71 |
Advance Quote | $75 |
Online Quote | $106 |
Total Discounts | $640 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area