Audi S4 Insurance Rates
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UPDATED: Dec 7, 2019
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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:
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.
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.
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
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.
| 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% |
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
| 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.
| 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
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,952 |
| $250 | $1,746 |
| $500 | $1,510 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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