Audi S4 Insurance Rates

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

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how location impacts insurance prices.

The examples above highlight why it is important to get quotes for a targeted area and risk profile, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $816
• Choosing higher $1,000 deductibles can save approximately $1,244 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,456
• Using low $100 deductibles for comp and collision coverage will increase the cost to $1,870
• Drivers who are prone to accidents and violations could pay up to $3,174 or more
• Policy cost for full coverage for a teenage driver can cost as much as $5,356 each year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on your risk profile, the model of your S4, and liability limits and deductibles.

Older drivers with no driving violations and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $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 $1,120 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $630 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 extra every year, depending on your age. A high-risk auto insurance policy ranges around 45% to 130% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate rates, so rate quotes 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 the Best Audi S4 Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Spend time shopping around at least every other year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief recap of the car insurance concepts touched on above.

• Drivers who tend to receive serious violations may pay on average $1,720 more annually to insure their S4
• You may be able to save approximately $180 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $625 each year
• Consumers who want more liability coverage will pay an extra $420 per year to raise limits from a 30/60 limit to 250/500 limits