Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,456 a year with full coverage. Comprehensive costs approximately $312, collision insurance costs $624, and liability insurance is estimated at $384. Liability-only insurance costs approximately $432 a year, and high-risk driver insurance costs around $3,174. Teenage drivers cost the most to insure at up to $5,356 a year.

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates the difference location can make on auto insurance prices.

The examples above demonstrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, rather than relying on average rates.

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

More Rate Information

The chart below details average Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $816
• Choosing higher $1,000 deductibles can save $212 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,456
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,870
• High-risk insureds who are prone to accidents and violations could pay around $3,174
• Policy cost for full coverage for a teen driver with full coverage can cost $5,356 each year

View Chart as Image

Auto insurance rates for an Audi S4 also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

An older driver with a good driving record and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay 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

Using high physical damage deductibles can save as much as $630 each year, while increasing your policy's liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 45% to 130% more than a normal policy. View High Risk Driver Rates

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 Find More Affordable Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance takes having a good driving record, having good credit, not filing small claims, and possibly higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The next list is a summary of the information touched on in this article.

• You may be able to save around $180 per year just by shopping early and online
• Drivers age 20 and younger have the highest car insurance rates, as much as $446 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $625 each year
• High-risk drivers who have multiple accidents or major violations pay on average $1,720 more per year to buy Audi S4 insurance
• Drivers who purchase increased levels of liability coverage will pay an extra $420 every year to raise limits from a 30/60 limit to 250/500 limits