Audi S4 Insurance Rates

The average insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive costs approximately $300 a year, collision costs $588, and liability insurance costs around $388. Liability-only insurance costs as low as $434 a year, with high-risk driver insurance costing around $3,072. Teen drivers 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:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than larger metro areas.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own driving history, rather than relying on price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $795
• Using higher $1,000 deductibles will save $1,210 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,412
• Choosing low $100 deductibles for physical damage coverage increases the price to $1,806
• Drivers with multiple violations and an at-fault accident could pay around $3,072 or more
• Policy cost to insure a teen driver can cost $5,212 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $600 each year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have 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 are likely paying anywhere from $1,700 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 134% more than average. View High Risk Driver Rates

Your home state has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,010 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and quoted 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 More Affordable Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Invest the time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a summary of the primary concepts that were presented in the illustrations above.

• You may be able to save around $170 per year simply by quoting early and online
• High-risk drivers who have multiple accidents or major violations could be charged and average of $1,660 more per year to insure an Audi S4
• Increasing comprehensive and collision deductibles could save as much as $600 each year
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $434 each month if comprehensive and collision insurance is included