Audi S4 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 3, 2023
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Average auto insurance rates for an Audi S4 are $1,456 annually for full coverage. Comprehensive insurance costs an estimated $312 a year, collision insurance costs $624, and liability costs $384. Liability-only coverage costs as little as $432 a year, and high-risk coverage costs $3,174 or more. Teenage drivers receive the highest rates at up to $5,356 a year.
Average premium for full coverage: $1,456
Rate estimates broken down by individual coverage type:
Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and S4 trim levels.
Price Range by Coverage and Risk
For an average driver, prices range range from as cheap as $432 for just the minimum liability insurance to a high of $3,174 for a high-risk insurance policy.
Price Range by Location
Your location can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than densely populated cities. The diagram below illustrates the effect of geographic area on insurance prices.
These examples show why it is important to compare rates for a targeted area and their own personal driving habits, instead of using average rates.
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 shows average Audi S4 insurance rates for other coverage scenarios.
- The best discount rate is $816
- Drivers who choose higher $1,000 deductibles will pay approximately $1,244 a year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,456
- Using low $100 deductibles for comprehensive and collision insurance costs an additional $414 every year
- Higher-risk drivers who are prone to accidents and violations could pay up to $3,174
- The cost with full coverage for a teen driver can cost as much as $5,356 a year
Car insurance rates for an Audi S4 can also vary considerably based on the trim level of your S4, your driver profile, and liability limits and deductibles.
Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged at least $5,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying $1,700 to $2,400 extra per year, depending on your age. A high-risk auto insurance policy can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $630 every year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $345 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $960 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,080 on average in New York, Louisiana, and Michigan.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Buy the Best Audi S4 Insurance
Saving money on car insurance not only requires being safe and accident-free, but also having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Take the time to compare rates at least every other year by obtaining price quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.
Below you'll find a brief recap of the car insurance concepts covered in the above illustrations.
- Higher risk drivers who tend to receive serious violations may pay on average $1,720 more annually than a low-risk driver
- Drivers can save approximately $180 per year just by quoting early and online
- Increasing deductibles could save up to $625 each year
- Policyholders who want more liability protection will pay an extra $420 each year to go from a minimum limit to higher 250/500 limits
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,870 |
| $250 | $1,678 |
| $500 | $1,456 |
| $1,000 | $1,244 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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