Audi S4 Insurance Rates
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UPDATED: May 20, 2024
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Average insurance rates for an Audi S4 are $1,510 a year for full coverage. Comprehensive costs approximately $326, collision insurance costs $672, and liability costs around $376. Buying just liability costs as low as $426 a year, and insurance for high-risk drivers costs around $3,294. 16-year-old drivers receive the highest rates at up to $5,532 a year.
Average premium for full coverage: $1,510
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all states and for all S4 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $426 for just liability insurance to the much higher price of $3,294 for a driver that may need high-risk insurance.
Price Range by Location
Where you live can make a big difference on car insurance rates. Rural locations tend to have a lower frequency of accident claims than congested cities. The example below illustrates the difference location can make on auto insurance prices.
These examples show why everyone should compare prices using their specific location and risk profile, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Audi S4 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $843
- Using higher $1,000 deductibles will save $226 a year
- The average rate for a 40-year-old driver who chooses $500 deductibles is $1,510
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,952
- High-risk insureds with multiple tickets or accidents could pay around $3,294
- The cost for full coverage for a 16-year-old driver for full coverage can cost $5,532 or more
Auto insurance rates for an Audi S4 can also vary considerably based on your driver profile, the trim level of your S4, and physical damage deductibles and liability limits.
A more mature driver with a good driving record and high deductibles may pay as low as $1,400 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay in the ballpark of $5,500 a year. View Rates by Age
Where you live has a huge impact on Audi S4 insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Iowa, Maine, and Idaho, or at least $2,150 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,364 | -$146 | -9.7% |
| Alaska | $1,158 | -$352 | -23.3% |
| Arizona | $1,252 | -$258 | -17.1% |
| Arkansas | $1,510 | -$0 | 0.0% |
| California | $1,720 | $210 | 13.9% |
| Colorado | $1,440 | -$70 | -4.6% |
| Connecticut | $1,548 | $38 | 2.5% |
| Delaware | $1,706 | $196 | 13.0% |
| Florida | $1,884 | $374 | 24.8% |
| Georgia | $1,394 | -$116 | -7.7% |
| Hawaii | $1,084 | -$426 | -28.2% |
| Idaho | $1,022 | -$488 | -32.3% |
| Illinois | $1,122 | -$388 | -25.7% |
| Indiana | $1,138 | -$372 | -24.6% |
| Iowa | $1,018 | -$492 | -32.6% |
| Kansas | $1,434 | -$76 | -5.0% |
| Kentucky | $2,056 | $546 | 36.2% |
| Louisiana | $2,232 | $722 | 47.8% |
| Maine | $930 | -$580 | -38.4% |
| Maryland | $1,244 | -$266 | -17.6% |
| Massachusetts | $1,204 | -$306 | -20.3% |
| Michigan | $2,622 | $1,112 | 73.6% |
| Minnesota | $1,262 | -$248 | -16.4% |
| Mississippi | $1,806 | $296 | 19.6% |
| Missouri | $1,338 | -$172 | -11.4% |
| Montana | $1,620 | $110 | 7.3% |
| Nebraska | $1,188 | -$322 | -21.3% |
| Nevada | $1,808 | $298 | 19.7% |
| New Hampshire | $1,088 | -$422 | -27.9% |
| New Jersey | $1,686 | $176 | 11.7% |
| New Mexico | $1,336 | -$174 | -11.5% |
| New York | $1,588 | $78 | 5.2% |
| North Carolina | $868 | -$642 | -42.5% |
| North Dakota | $1,236 | -$274 | -18.1% |
| Ohio | $1,040 | -$470 | -31.1% |
| Oklahoma | $1,548 | $38 | 2.5% |
| Oregon | $1,382 | -$128 | -8.5% |
| Pennsylvania | $1,436 | -$74 | -4.9% |
| Rhode Island | $2,012 | $502 | 33.2% |
| South Carolina | $1,366 | -$144 | -9.5% |
| South Dakota | $1,272 | -$238 | -15.8% |
| Tennessee | $1,320 | -$190 | -12.6% |
| Texas | $1,818 | $308 | 20.4% |
| Utah | $1,116 | -$394 | -26.1% |
| Vermont | $1,030 | -$480 | -31.8% |
| Virginia | $904 | -$606 | -40.1% |
| Washington | $1,164 | -$346 | -22.9% |
| West Virginia | $1,382 | -$128 | -8.5% |
| Wisconsin | $1,044 | -$466 | -30.9% |
| Wyoming | $1,342 | -$168 | -11.1% |
Opting for high physical damage deductibles could cut rates by as much as $670 annually, whereas buying more liability protection will push rates upward. Going from a 50/100 limit to a 250/500 limit will cost as much as $339 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying anywhere from $1,800 to $2,500 in extra premium per year, depending on your age. Audi S4 insurance for high-risk drivers can be from 45% to 133% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi S4 Quattro 4-Dr Sedan | $1,472 | $123 |
| Audi S4 Quattro 4-Dr Sedan | $1,472 | $123 |
| Audi S4 Quattro 4-Dr Sedan | $1,510 | $126 |
| Audi S4 Quattro 4-Dr Sedan | $1,510 | $126 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi S4 | $404 | $780 | $316 | $1,636 |
| 2023 Audi S4 | $384 | $750 | $332 | $1,602 |
| 2022 Audi S4 | $370 | $744 | $338 | $1,588 |
| 2021 Audi S4 | $356 | $726 | $354 | $1,572 |
| 2020 Audi S4 | $344 | $696 | $364 | $1,540 |
| 2019 Audi S4 | $326 | $672 | $376 | $1,510 |
| 2018 Audi S4 | $312 | $624 | $384 | $1,456 |
| 2016 Audi S4 | $288 | $526 | $390 | $1,340 |
| 2014 Audi S4 | $260 | $454 | $394 | $1,244 |
| 2010 Audi S4 | $212 | $326 | $402 | $1,076 |
| 2009 Audi S4 | $200 | $296 | $402 | $1,034 |
| 2007 Audi S4 | $190 | $260 | $390 | $976 |
| 2006 Audi S4 | $188 | $248 | $384 | $956 |
| 2004 Audi S4 | $166 | $224 | $376 | $902 |
Rates are averaged for all Audi S4 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheaper Audi S4 Insurance
Saving money on insurance for an Audi S4 requires avoiding accidents and claims, having good credit, eliminating unneeded coverage, and possibly higher deductibles. Make time to compare rates once a year by getting rate quotes from direct carriers like GEICO and Progressive, and also from local exclusive and independent agents.
The points below are a condensed summary of the data that was touched on in this article.
- Drivers can save around $190 per year just by quoting online well ahead of the renewal date
- Insureds who purchase increased liability limits will pay around $410 each year to increase from a minimum limit to 250/500 limits
- Drivers under the age of 20 have the highest car insurance rates, costing as high as $461 per month if they have full coverage
- Drivers considered higher risk with multiple at-fault accidents may pay on average $1,780 more per year to insure an Audi S4
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,532 |
| 20 | $3,514 |
| 30 | $1,586 |
| 40 | $1,510 |
| 50 | $1,378 |
| 60 | $1,354 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,952 |
| $250 | $1,746 |
| $500 | $1,510 |
| $1,000 | $1,284 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,510 |
| 50/100 | $1,585 |
| 100/300 | $1,679 |
| 250/500 | $1,924 |
| 100 CSL | $1,623 |
| 300 CSL | $1,830 |
| 500 CSL | $1,980 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,942 |
| 20 | $5,604 |
| 30 | $3,380 |
| 40 | $3,294 |
| 50 | $3,142 |
| 60 | $3,116 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $82 |
| Multi-vehicle | $80 |
| Homeowner | $21 |
| 5-yr Accident Free | $120 |
| 5-yr Claim Free | $100 |
| Paid in Full/EFT | $75 |
| Advance Quote | $79 |
| Online Quote | $110 |
| Total Discounts | $667 |
Discounts are estimated and may not be available from every company or in every state.
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