Audi S4 Insurance Rates

Average insurance rates for an Audi S4 are $1,456 a year for full coverage insurance. Comprehensive costs an estimated $312, collision costs $624, and liability is $384. A policy with just liability insurance costs around $432 a year, with coverage for high-risk drivers costing around $3,174. Teenage drivers receive the highest rates at $5,356 a year or more.

Average premium for full coverage: $1,456

Rate estimates broken down by individual coverage type:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and for all S4 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how geographic area affects insurance prices.

These examples illustrate why everyone should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $816
• Raising to $1,000 deductibles will save approximately $212 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $1,456
• Using pricier low deductibles will increase the cost to $1,870
• At-risk drivers who are prone to accidents and violations could pay up to $3,174 or more
• The cost for full coverage for a teen driver for full coverage can cost as much as $5,356

View Chart as Image

Insurance rates for an Audi S4 can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

A more mature driver with no violations or accidents and high deductibles may pay as little as $1,400 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay at least $5,300 a year. View Rates by Age

Where you live also has a big influence on Audi S4 insurance prices. A middle-age driver might find rates as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $630 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $345 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,700 to $2,400 additional per year, depending on your age. Audi S4 insurance for high-risk drivers is expensive and can cost as much as 45% to 130% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to regularly compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, and rates can be significantly different 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 Cheapest Audi S4 Insurance

Saving money on car insurance consists of avoiding accidents and claims, having a good credit history, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

The points below are a recap of the concepts that were presented in the illustrations above.

• Higher risk drivers that have major violations or accidents pay on average $1,720 more annually to insure an Audi S4
• Drivers under the age of 20 are expensive to insure, costing up to $446 per month including comprehensive and collision insurance
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date
• Increasing deductibles can save around $625 each year
• It is possible to save approximately $180 per year simply by quoting online well ahead of the renewal date