Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,412 annually for full coverage. Comprehensive insurance costs around $300, collision costs $588, and liability costs $388. Liability-only coverage costs as little as $434 a year, with high-risk coverage costing $3,072 or more. Teenage drivers pay the highest rates at $5,212 a year or more.

Average premium for full coverage: $1,412

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on auto insurance rates. Areas with sparse population have fewer accident claims than densely populated cities.

The example below illustrates how rural and urban location affects auto insurance rates.

The ranges above show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of using average rates.

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

Rate Comparisons

The chart below shows estimated Audi S4 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $795
• Drivers who choose higher $1,000 deductibles will pay about $202 a year
• The estimated rate for the average middle-age driver using $500 deductibles is $1,412
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $394 every year
• Higher-risk drivers who are prone to accidents and violations could pay at least $3,072 or more
• The price with full coverage for a teen driver for full coverage can be $5,212 a year

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Auto insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driver profile, and deductibles and policy limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as little as $1,300 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay as much as $5,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at least $1,700 to $2,300 in extra premium each year, depending on your age. Audi S4 insurance for high-risk drivers can cost as much as 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $600 every year, whereas buying more liability protection will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $349 extra every year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,010 on average in Michigan, Louisiana, and New York.

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Since prices can be so different, the only way to know your exact price is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy Cheap Audi S4 Insurance

Getting lower rates on car insurance not only requires being a low-risk driver, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Set aside time to shop around at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a brief summary of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers that tend to have accidents or serious violations pay an average of $1,660 more every year to insure their S4
• Drivers can save up to $170 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $600 each year
• Policyholders who may need more liability coverage will pay an extra $430 each year to go from a low limit to higher 250/500 limits