Audi S4 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 7, 2019

Advertiser Disclosure

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 auto insurance rates for an Audi S4 are $1,510 annually including full coverage. Comprehensive costs an estimated $326 each year, collision costs $672, and liability insurance is estimated at $376. A policy with only liability insurance costs approximately $426 a year, with a high-risk policy costing around $3,294. Teen drivers pay the most at $5,532 a year or more.

Average premium for full coverage: $1,510

Premium estimates broken down by type of coverage:

Comprehensive $326
Collision $672
Liability $376

Prices include $500 physical damage deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and S4 models.

Insurance Price Range by Risk and Coverage

For the average driver, insurance rates for an Audi S4 go from as cheap as $426 for basic liability insurance to a high rate of $3,294 for a high-risk insurance policy.

Liability Only $426
Full Coverage $1,510
High Risk $3,294

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location impacts insurance prices.

Rural Areas $1,133
Small Cities $1,586
Large Cities $2,039

These rate differences highlight why all drivers should get quotes for a targeted area and their own personal driving habits, rather than relying on price 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.

Rate Comparisons

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

  • The lowest rate with discounts is $843
  • Choosing higher $1,000 deductibles can save approximately $226 every year
  • The estimated rate for a 40-year-old good driver who has $500 deductibles is $1,510
  • Choosing low deductibles for comp and collision coverage will cost $1,952
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,294 or more
  • An auto insurance policy with full coverage for a teen driver can cost as much as $5,532 each year

View Chart as Image

Audi S4 insurance cost comparison chart
Column chart showing full coverage Audi S4 insurance rates range from $843 to $5,532

Car insurance prices for an Audi S4 also have a wide range based on the model of your S4, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged at least $5,500 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 45% to 133% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $670 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $339 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,160 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,150 on average in Louisiana, New York, and Michigan.

Audi S4 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,364 -$146 -9.7%
Alaska $1,158 -$352 -23.3%
Arizona $1,252 -$258 -17.1%
Arkansas $1,510 -$0 0.0%
California $1,720 $210 13.9%
Colorado $1,440 -$70 -4.6%
Connecticut $1,548 $38 2.5%
Delaware $1,706 $196 13.0%
Florida $1,884 $374 24.8%
Georgia $1,394 -$116 -7.7%
Hawaii $1,084 -$426 -28.2%
Idaho $1,022 -$488 -32.3%
Illinois $1,122 -$388 -25.7%
Indiana $1,138 -$372 -24.6%
Iowa $1,018 -$492 -32.6%
Kansas $1,434 -$76 -5.0%
Kentucky $2,056 $546 36.2%
Louisiana $2,232 $722 47.8%
Maine $930 -$580 -38.4%
Maryland $1,244 -$266 -17.6%
Massachusetts $1,204 -$306 -20.3%
Michigan $2,622 $1,112 73.6%
Minnesota $1,262 -$248 -16.4%
Mississippi $1,806 $296 19.6%
Missouri $1,338 -$172 -11.4%
Montana $1,620 $110 7.3%
Nebraska $1,188 -$322 -21.3%
Nevada $1,808 $298 19.7%
New Hampshire $1,088 -$422 -27.9%
New Jersey $1,686 $176 11.7%
New Mexico $1,336 -$174 -11.5%
New York $1,588 $78 5.2%
North Carolina $868 -$642 -42.5%
North Dakota $1,236 -$274 -18.1%
Ohio $1,040 -$470 -31.1%
Oklahoma $1,548 $38 2.5%
Oregon $1,382 -$128 -8.5%
Pennsylvania $1,436 -$74 -4.9%
Rhode Island $2,012 $502 33.2%
South Carolina $1,366 -$144 -9.5%
South Dakota $1,272 -$238 -15.8%
Tennessee $1,320 -$190 -12.6%
Texas $1,818 $308 20.4%
Utah $1,116 -$394 -26.1%
Vermont $1,030 -$480 -31.8%
Virginia $904 -$606 -40.1%
Washington $1,164 -$346 -22.9%
West Virginia $1,382 -$128 -8.5%
Wisconsin $1,044 -$466 -30.9%
Wyoming $1,342 -$168 -11.1%

View Chart as Image

Audi S4 insurance rates by U.S. city

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be substantially different between companies.

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 $1,472 $123
Audi S4 Quattro 4-Dr Sedan $1,472 $123
Audi S4 Quattro 4-Dr Sedan $1,510 $126
Audi S4 Quattro 4-Dr Sedan $1,510 $126

Rates assume 2018 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
2018 Audi S4 $326 $672 $376 $1,510
2014 Audi S4 $270 $484 $390 $1,280
2010 Audi S4 $228 $358 $406 $1,128
2009 Audi S4 $212 $326 $402 $1,076
2007 Audi S4 $194 $266 $398 $994
2006 Audi S4 $190 $260 $390 $976
2004 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 Buy the Right Audi S4 Insurance

Finding better rates on Audi S4 insurance takes being a safe and courteous driver, having a good credit score, refrain from filing small claims, and not having any coverage lapses. Spend time shopping around at least every other year by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the car insurance concepts touched on above.

  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,780 more annually for auto insurance
  • You may be able to save approximately $190 per year simply by quoting online in advance
  • Increasing policy deductibles could save up to $675 each year
  • Drivers who want higher levels of liability will pay about $410 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Audi S4 Insurance Rates by Driver Age
Driver Age Premium
16 $5,532
20 $3,514
30 $1,586
40 $1,510
50 $1,378
60 $1,354

Full coverage, $500 deductibles

Rates by Deductible

Audi S4 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,952
$250 $1,746
$500 $1,510
$1,000 $1,284

Full coverage, driver age 40

Rates by Liability Limit

Audi S4 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,510
50/100 $1,585
100/300 $1,679
250/500 $1,924
100 CSL $1,623
300 CSL $1,830
500 CSL $1,980

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S4 Insurance Rates for High Risk Drivers
Age Premium
16 $7,942
20 $5,604
30 $3,380
40 $3,294
50 $3,142
60 $3,116

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 $219

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $80
Homeowner $21
5-yr Accident Free $120
5-yr Claim Free $100
Paid in Full/EFT $75
Advance Quote $79
Online Quote $110
Total Discounts $667
Rate after discounts $843

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

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles