Audi S4 Insurance Rates

Average insurance prices for an Audi S4 are $1,456 every 12 months for full coverage insurance. Comprehensive costs an estimated $312 each year, collision insurance costs $624, and liability costs $384. A liability-only policy costs as little as $432 a year, and high-risk insurance costs around $3,174. Teens 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:

Rates include $500 deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and S4 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of location on insurance prices.

These examples illustrate why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $816
• Drivers who choose higher $1,000 deductibles will pay approximately $212 each year
• The average price for a 40-year-old driver who has $500 deductibles is $1,456
• Selecting low deductibles for comprehensive and collision insurance increases the price to $1,870
• Drivers with serious driving violations could pay up to $3,174
• The cost to insure a 16-year-old driver can cost as much as $5,356 a year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles could save up to $630 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $345 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,700 to $2,400 extra per year, depending on your age. Insurance for high-risk drivers can cost from 45% to 130% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Insurance Rates by Trim Level and Model Year

Rates assume 2018 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 Shop for Cheaper Audi S4 Insurance

Saving money on insurance for an Audi S4 not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to shop around at least every two years by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a summary of the information that was covered in this article.

• Increasing deductibles could save as much as $625 each year
• It is possible to save approximately $180 per year just by quoting online in advance
• Insureds who want higher liability limits will pay approximately $420 annually to go from a minimum limit to a 250/500 level
• Teens are charged the highest rates, costing up to $446 per month if they have full coverage
• Drivers considered higher risk that have multiple accidents or serious violations could be forced to pay on average $1,720 more annually for S4 insurance