Audi S4 Insurance Rates

The average auto insurance rates for an Audi S4 are $1,456 annually for full coverage insurance. Comprehensive costs an estimated $312 each year, collision costs $624, and liability is estimated at $384. Buying just liability costs approximately $432 a year, with insurance for high-risk drivers 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:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and S4 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how geographic area affects insurance prices.

The examples above illustrate why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Audi S4 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $816
• Choosing higher $1,000 deductibles can save approximately $212 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,456
• Selecting low deductibles for comp and collision coverage will cost $1,870
• Higher-risk drivers with serious driving violations could pay up to $3,174 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,356 each year

View Chart as Image

Insurance rates for an Audi S4 also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $630 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $345 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi S4 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,960 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, so the rates will be varied 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 Cheapest Audi S4 Insurance

Finding cheaper rates on insurance for an Audi S4 takes having a decent driving record, having a good credit history, being claim-free, and taking advantage of discounts. Invest the time to compare rates at every policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a recap of the data presented in the illustrations above.

• Insureds who want additional liability coverage will pay approximately $420 annually to raise limits from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $180 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $625 each year
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $446 each month including comprehensive and collision insurance