Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,412 annually including full coverage. Comprehensive insurance costs approximately $300, collision insurance costs $588, and liability is estimated at $388. A liability-only policy costs approximately $434 a year, and high-risk insurance costs $3,072 or more. Teenage drivers cost the most to insure at up to $5,212 a year.

Average premium for full coverage: $1,412

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different S4 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location impacts auto insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Rate Information

The chart below breaks down average Audi S4 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $795
• Choosing higher $1,000 deductibles can save $202 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,412
• Using more expensive low deductibles for comp and collision coverage costs an additional $394 annually
• Higher-risk drivers who are prone to accidents and violations could pay around $3,072
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost $5,212 each year

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Car insurance rates for an Audi S4 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance ranges from 44% to 134% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $600 annually, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $349 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $1,080 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,010 on average in Louisiana, New York, and Michigan.

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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 the Best Cheap Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes being a good driver, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Spend time shopping around at least once a year by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following list is a quick review of the primary concepts that were touched on above.

• You may be able to save around $170 per year just by shopping early and online
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,660 more per year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $600 each year
• Drivers age 16 to 20 pay the highest auto insurance rates, with premiums being up to $434 each month if comprehensive and collision insurance is included