Audi S4 Insurance Rates

U.S. average auto insurance rates for an Audi S4 are $1,510 annually including full coverage. Comprehensive costs approximately $326, collision costs $672, and liability insurance is estimated at $376. Liability-only coverage costs approximately $426 a year, with high-risk coverage costing around $3,294. Teenage drivers pay the highest rates at $5,532 a year or more.

Average premium for full coverage: $1,510

Price estimates by individual coverage:

Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all S4 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects auto insurance prices.

The ranges above highlight why everyone should get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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 additional coverage and risk scenarios.

• The best discount rate is $843
• Choosing higher $1,000 deductibles can save $226 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,510
• Using pricier low deductibles for comp and collision coverage will cost $1,952
• High-risk insureds who are prone to accidents and violations could pay around $3,294 or more
• The price with full coverage for a teen driver for full coverage can cost $5,532 each year

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Auto insurance prices for an Audi S4 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,400 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $5,500 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,800 to $2,500 in extra premium each year, depending on your age. Audi S4 insurance for high-risk drivers ranges anywhere from 45% to 133% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $670 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $339 extra every year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Audi S4 insurance rates. A good driver about age 40 could pay as low as $1,160 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,150 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite different between companies.

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 Buy the Right Audi S4 Insurance

Getting lower rates on Audi S4 insurance takes avoiding accidents and violations, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The list below is a quick rundown of the car insurance concepts touched on in the above illustrations.

• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,780 more per year for car insurance
• You may be able to save around $190 per year simply by quoting online well ahead of the renewal date
• Increasing physical damage deductibles could save up to $675 each year
• Drivers who purchase higher liability limits will pay an extra $410 per year to raise limits from a low limit to higher 250/500 limits