Audi S4 Insurance Rates
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UPDATED: May 20, 2024
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Estimated insurance rates for an Audi S4 are $1,510 a year for full coverage. Comprehensive insurance costs around $326 a year, collision insurance costs $672, and liability coverage is estimated at $376. Liability-only coverage costs approximately $426 a year, and high-risk coverage costs $3,294 or more. Teenage drivers pay the most at up to $5,532 a year.
Average premium for full coverage: $1,510
Premium estimates for type of coverage:
Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and S4 trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for an Audi S4 range from as low as $426 for minimum levels of liability insurance to a high of $3,294 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have a lower frequency of accident claims than densely populated cities. The diagram below illustrates how your location can change auto insurance rates.
These rate differences show why it is important to get quotes for a specific zip code and risk profile, rather than using average rates.
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 Details
The chart below shows average Audi S4 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $843
- Choosing higher $1,000 deductibles can save about $1,284 a year
- The average rate for a 40-year-old good driver using $500 deductibles is $1,510
- Using low $100 deductibles for comp and collision coverage will cost an extra $442 each year
- Drivers who are prone to accidents and violations could pay at least $3,294
- An auto insurance policy for full coverage for a teenage driver can be $5,532 each year
Insurance prices for an Audi S4 also have a wide range based on your driving characteristics, the trim level of your S4, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $5,500 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $990 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $2,150 on average in Michigan, Louisiana, and New York.
| 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% |
Using high physical damage deductibles can save as much as $670 a year, while buying higher liability limits will increase prices. Going from a 50/100 limit to a 250/500 limit will cost up to $339 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at least $1,800 to $2,500 extra annually, depending on your age. A high-risk auto insurance policy ranges around 45% to 133% more than a normal policy. 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 Affordable Audi S4 Insurance
Finding better rates on auto insurance takes avoiding accidents and violations, maintaining good credit, not filing small claims, and dropping full coverage on older vehicles. Invest the time to shop around at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The list below is a brief review of the primary concepts that were illustrated above.
- Drivers can save up to $190 per year just by quoting early and online
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,780 more every year for car insurance
- Increasing policy deductibles can save around $675 each year
- Teenagers pay higher prices, as much as $461 per month for full coverage
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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