Audi S4 Insurance Rates

Estimated insurance prices for an Audi S4 are $1,456 every 12 months with full coverage. Comprehensive costs an estimated $312, collision costs $624, and liability costs around $384. A policy with only liability insurance costs as low as $432 a year, with a high-risk policy costing around $3,174. Teenage drivers pay the most at $5,356 a year or more.

Average premium for full coverage: $1,456

Premium estimates broken down by type of coverage:

Includes $500 deductible amounts, 30/60 liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for all S4 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations are statistically proven to have more infrequent collision claims than densely populated cities.

The example below illustrates the effect of geographic area on insurance prices.

These rate differences demonstrate why everyone should compare prices for a targeted area and their own driving history, instead of making a decision based on average rates.

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

Rate Comparisons

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

• The best discount rate is $816
• Using higher $1,000 deductibles will save approximately $212 annually
• The average price for a 40-year-old good driver who has $500 deductibles is $1,456
• Using pricier low deductibles for physical damage coverage increases the price to $1,870
• High-risk insureds who are prone to accidents and violations could pay up to $3,174 or more
• An auto insurance policy to insure a 16-year-old driver for full coverage can cost as much as $5,356 or more

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

Using high physical damage deductibles could cut prices by as much as $630 annually, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles may pay as low as $1,400 a year, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged at least $5,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out $1,700 to $2,400 extra annually, depending on your age. Audi S4 insurance for high-risk drivers can be from 45% to 130% more than a normal policy. 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 $1,050 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,960 on average in New York, Michigan, and Florida.

View Chart as Image

With such a large range in prices, the best way to find out which insurance company is cheapest is to regularly compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes 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 the Cheapest Audi S4 Insurance

Finding better rates on insurance for an Audi S4 requires having a good driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Take the time to compare rates at every policy renewal by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a recap of the data covered in the above illustrations.

• Insureds who want increased levels of liability coverage will pay an extra $420 every year to increase from 30/60 bodily injury limits to a 250/500 level
• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing policy deductibles could save as much as $625 each year
• Drivers age 20 and younger have the highest car insurance prices, possibly costing $446 per month if the policy includes full coverage