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Audi S4 Insurance Cost [Rates + Cheap Coverage Guide]

Key takeaways:

  • Full coverage costs around $1,588 a year or $132 each month
  • A liability-only policy costs around $636 a year or $53 each month
  • Highest rates are for teenage drivers at around $5,804 a year or $484 each month
  • Good drivers can save as much as $655 a year by earning policy discounts
  • Audi S4 insurance costs around $69 more per year than the average vehicle

Audi S4 insurance rates are approximately $69 more per year than the average vehicle in the U.S. Full coverage costs about $1,588 a year or $132 a month. Good drivers can save up to $655 a year with policy discounts for practicing safe driving habits. Let’s take a quick look at Audi S4 insurance rates, crash test ratings, and more.

You can start comparing quotes for Audi S4 car insurance rates from some of the best car insurance companies by using our free online tool now.

Table of Contents

Audi S4 Insurance Cost

The average Audi S4 auto insurance rates are $1,588 a year or $132 a month.

Are Audi S4s Expensive to Insure?

The chart below details how Audi S4 insurance rates compare to other sedans like the Volkswagen Passat, Cadillac CTS, and Nissan Maxima.

Vehicle Comprehensive Collision Liability Total
Audi S4 $370 $744 $338 $1,588
Volkswagen Passat $332 $600 $390 $1,480
Cadillac CTS $320 $626 $398 $1,502
Nissan Maxima $372 $630 $390 $1,550
Kia Optima $322 $532 $420 $1,454
Toyota Camry $294 $570 $390 $1,412
Toyota Avalon $320 $536 $338 $1,330
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However, there are a few things you can do to find the cheapest Audi insurance rates online.

What Impacts the Cost of Audi S4 Insurance?

The Audi S4 trim and model you choose will affect the total price you will pay for Audi S4 insurance coverage.

Age of the Vehicle

Older Audi S4 models generally cost less to insure. For example, auto insurance rates for a 2018 Audi S4 are $1,588, while 2010 Audi S4 rates are $1,244, a difference of $344.

Model Year Comprehensive Collision Liability Total
2018 Audi S4 $370 $744 $338 $1,588
2016 Audi S4 $344 $696 $364 $1,540
2015 Audi S4 $326 $672 $376 $1,510
2014 Audi S4 $312 $624 $384 $1,456
2013 Audi S4 $300 $588 $388 $1,412
2012 Audi S4 $288 $526 $390 $1,340
2011 Audi S4 $270 $484 $390 $1,280
2010 Audi S4 $260 $454 $394 $1,244
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Driver Age

Driver age can have a significant impact on the cost of Audi S4 auto insurance. For example, 20-year-old drivers pay as much as $2,012 more each year for their Audi S4 auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Audi S4 insurance rates. For example, drivers in New York may pay $969 a year more than drivers in Seattle.

Your Driving Record

Your driving record can have an impact on the cost of Audi S4 car insurance. Teens and drivers in their 20’s see the highest jump in their Audi S4 auto insurance rates with violations on their driving record.

Audi S4 Safety Ratings

Your Audi S4 car insurance rates are influenced by the safety ratings of the Audi S4. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front Not Tested
Side Not Tested
Roof strength Not Tested
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Audi S4 Crash Test Ratings

If the Audi S4 crash test ratings are good, you could have lower Audi S4 car insurance rates. See Audi S4 crash test results below:

Vehicle Tested Overall Frontal Side Rollover
2020 Audi S4 4 DR AWD N/R N/R N/R 5 stars
2019 Audi S4 4 DR AWD N/R N/R N/R 5 stars
2018 Audi S4 4 DR AWD N/R N/R N/R 5 stars
2016 Audi S4 4 DR AWD 5 stars 5 stars 5 stars 5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Audi S4 Safety Features

The more safety features you have on your Audi S4, the more likely it is that you can earn a discount. The Audi S4’s safety features include:

  • Standard automated emergency braking with forward-collision warning
  • Available blind-spot monitoring with rear cross-traffic alert
  • Available adaptive cruise control with semi-autonomous driving mode

Audi S4 Insurance Loss Probability

The lower percentage means lower Audi S4 car insurance rates; higher percentages mean higher Audi S4 auto insurance rates. Insurance loss probability on the Audi S4 fluctuates between each type of coverage.

Insurance Coverage Category Loss Rate
Collision 106%
Property Damage -22%
Comprehensive 82%
Personal Injury -49%
Medical Payment -43%
Bodily Injury -25%
Source: Insurance Institute for Highway Safety
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Audi S4 Finance and Insurance Cost

If you are financing a Audi S4, most lenders will require your carry higher Audi S4 coverage options including comprehensive coverage, so be sure to shop around and compare Audi S4 car insurance rates from the best companies using our FREE tool below.

Ways to Save on Audi S4 Insurance

You can save more money on your Audi S4 auto insurance rates by employing any of the following five strategies.

  • Make Sure You’re Raising a Safe Driver
  • Ask About Retiree Discounts
  • Drive Your Audi S4 Safely
  • Move to an Area with a Lower Cost of Living
  • Ask About Audi S4 Low Mileage Discounts

Top Audi S4 Insurance Companies

Who is the best auto insurance company for Audi S4 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Audi S4 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Audi S4 offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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Compare Free Audi S4 Insurance Quotes Online

You can start comparing quotes for Audi S4 car insurance rates from some of the best car insurance companies by using our free online tool now.

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