Audi S4 Insurance Rates

The average insurance rates for an Audi S4 are $1,456 a year including full coverage. Comprehensive costs an estimated $312, collision costs $624, and liability costs $384. A liability-only policy costs as little as $432 a year, with high-risk insurance costing around $3,174. Teens cost the most to insure at $5,356 a year or more.

Average premium for full coverage: $1,456

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all S4 models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of auto insurance. More rural locations are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

The examples above highlight why everyone should compare rates for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

The chart below breaks down estimated 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 every year
• The average rate for a good driver age 40 who has $500 deductibles is $1,456
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $1,870
• Drivers with serious driving violations could pay up to $3,174 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost as much as $5,356 a year

View Chart as Image

Car insurance rates for an Audi S4 also range considerably based on your risk profile, the model of your S4, and liability limits and deductibles.

A more mature driver with no driving violations and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $5,300 a year. View Rates by Age

Your home state makes a big difference in Audi S4 insurance prices. A 40-year-old driver could pay as low as $1,120 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,080 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $630 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $345 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying $1,700 to $2,400 extra every year, depending on your age. Audi S4 insurance for high-risk drivers can cost from 45% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates from multiple companies. Every company calculates rates differently, so rate quotes will be varied from one company to the next.

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 Find the Best Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 not only requires being a safe and courteous driver, but also having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Invest time comparing rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the ideas that were covered in the charts and tables above.

• Teenage drivers have the highest car insurance rates, with premiums being up to $446 each month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,720 more annually for auto insurance
• Increasing comprehensive and collision deductibles can save around $625 each year
• You may be able to save approximately $180 per year simply by quoting online well ahead of the renewal date