Audi S4 Insurance Rates

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

Average premium for full coverage: $1,456

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 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 car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects auto insurance prices.

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

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

Detailed Rate Analysis

The chart below shows estimated Audi S4 insurance rates for additional coverage and risk scenarios.

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

View Chart as Image

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

An older driver with a clean 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 can expect 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 $960 a year in states like Iowa, Maine, and Idaho, or have to pay at least $2,080 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $630 each year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates from as many companies as possible. Each auto insurer calculates rates differently, so the rates will be varied from one company to the next.

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 Cheaper Audi S4 Insurance

Finding cheaper rates on Audi S4 insurance takes being a low-risk driver, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Set aside time to shop around every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the information raised in the charts and tables above.

• Drivers can save around $180 per year simply by shopping early and online
• Teen drivers are expensive to insure, costing up to $446 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $625 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,720 more per year to insure their S4
• Drivers who purchase more liability coverage will pay approximately $420 each year to raise limits from a 30/60 limit to 250/500 limits