Audi S4 Insurance Rates
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UPDATED: May 20, 2024
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The average auto insurance rates for an Audi S4 are $1,510 annually including full coverage. Comprehensive insurance costs approximately $326, collision insurance costs $672, and liability insurance costs around $376. A liability-only policy costs as low as $426 a year, and high-risk insurance costs $3,294 or more. 16-year-old drivers cost the most to insure at up to $5,532 a year.
Average premium for full coverage: $1,510
Policy rates by type of insurance:
Full coverage includes $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different S4 trim levels.
Price Range Variability
For the average 40-year-old driver, Audi S4 insurance rates range from as cheap as $426 for just the minimum liability insurance to a much higher rate of $3,294 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than congested cities. The price range example below illustrates the difference location can make on auto insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying 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.
Additional Rate Analysis
The chart below breaks down 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 every year
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,510
- Buying more expensive low deductibles for physical damage coverage costs an additional $442 a year
- Drivers with multiple tickets or accidents could pay around $3,294
- Policy cost with full coverage for a teen driver with full coverage can cost $5,532 or more
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 could pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,500 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 $1,800 to $2,500 extra every year, depending on your age. High-risk driver insurance can be anywhere from 45% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut rates by as much as $670 each year, 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 $339 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Audi S4 insurance rates. A driver around age 40 might see rates as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,150 on average in Louisiana, New York, 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% |
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 Buy More Affordable Audi S4 Insurance
Finding cheaper rates on Audi S4 insurance requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a summary of the concepts that were touched on in this article.
- High-risk drivers who have multiple accidents or major violations may have to pay on average $1,780 more per year for auto insurance
- Teenage drivers pay the highest auto insurance rates, with premiums being up to $461 each month if comprehensive and collision insurance is included
- You may be able to save around $190 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $675 each year
- You may be able to save around $190 per year just by shopping early and online
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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