Audi S4 Insurance Rates

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UPDATED: May 20, 2024

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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:

Comprehensive $312
Collision $624
Liability $384

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.

Liability Only $432
Full Coverage $1,456
High Risk $3,174

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.

Rural Areas $1,092
Small Cities $1,529
Large Cities $1,966

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

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance rates range from $816 to $5,356

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.

Audi S4 Insurance Rates by State
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%

View Chart as Image

Audi S4 insurance rates by U.S. city

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

Audi S4 Insurance Rates by Model and Trim Level
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.

Audi S4 Insurance Rates by Model Year
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

Rates by Driver Age

Audi S4 Insurance 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

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,870
$250 $1,678
$500 $1,456
$1,000 $1,244

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
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

Audi S4 Insurance 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.

SR-22 Surcharge $210

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
Rate after discounts $816

Discounts are estimated and may not be available from every company or in every state.

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