Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,412 every 12 months including full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability insurance is estimated at $388. Liability-only coverage costs approximately $434 a year, with high-risk coverage costing $3,072 or more. Teen drivers pay the most at $5,212 a year or more.

Average premium for full coverage: $1,412

Premium estimates for type of coverage:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and for different S4 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These rate differences highlight why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than relying on price averages.

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

Additional Rate Details

The chart below breaks down estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $795
• Choosing higher $1,000 deductibles can save about $202 every year
• The average price for a 40-year-old good driver using $500 deductibles is $1,412
• Choosing more expensive low deductibles for comp and collision coverage costs an extra $394 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $3,072 or more
• An auto insurance policy to insure a teen driver with full coverage can be $5,212 each year

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Insurance prices for an Audi S4 also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Choosing high deductibles can save as much as $600 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $349 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,700 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 134% more than average. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $1,080 a year in states like Missouri, New Hampshire, and Vermont, or as much as $2,010 on average in Michigan, New York, and Louisiana.

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With such a large range in prices, the best way to figure out your exact price is to compare prices from as many companies as possible. Each auto insurer uses a different rate calculation, 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 Shop for Cheap Audi S4 Insurance

Finding better rates on Audi S4 insurance takes being a safe and courteous driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to compare rates every time your policy renews by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a brief summary of the information covered above.

• You may be able to save up to $170 per year simply by shopping early and online
• Teenage drivers pay higher prices, with the cost nearing $434 per month if they have full coverage
• Increasing policy deductibles could save as much as $600 each year
• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,660 more every year for auto insurance
• Drivers who may need higher levels of liability will pay about $430 per year to raise limits from 30/60 bodily injury limits to a 250/500 level