Audi S4 Car Insurance [How to Find Cheap Rates]

If you want to buy Audi S4 auto insurance coverage online then a policy will cost $132 per month ($1,588 per year) on average. Shop around to find cheap Audi S4 insurance rates. On average, Audi S4 comprehensive insurance coverage costs $387, collision coverage costs $565, and liability coverage costs $448.

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Sara Routhier, Managing Editor of Features and Outreach, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming worl...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 31, 2020

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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

It is possible to save a significant amount on Audi S4 insurance rates. Good drivers can save as much as $655 a year by earning policy discounts. Read on to learn what else drivers can do to reduce their Audi S4 insurance rates.

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.

Audi S4 Insurance Cost

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

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Are Audi S4s Expensive to Insure?

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

Vehicle Comprehensive Collision Liability Total
Audi S4 $370 $744 $338 $1,588
Cadillac CTS $320 $626 $398 $1,502
Chevrolet Cruze $308 $594 $372 $1,432
Nissan Maxima $372 $630 $390 $1,550
Dodge Charger $376 $626 $466 $1,668
Ford Focus $244 $536 $398 $1,336
Honda Civic $280 $656 $420 $1,536
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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 can impact 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, car insurance for a 2018 Audi S4 costs $1,588, while 2010 Audi S4 insurance costs 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 Audi S4 auto insurance rates. For instance, a 30-year-old driver may pay $70 more each year for Audi S4 auto insurance than a 40-year-old driver.

Driver Location

Where you live can have a large impact on Audi S4 insurance rates. For example, drivers in Jacksonville may pay $953 a year more than drivers in Indianapolis.

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 tied to 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

Audi S4 crash test ratings can impact your 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

Most drivers don’t realize that not only do Audi S4 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower Audi S4 auto insurance rates. The Audi S4’s safety features include:

  • Electronic Stability Control (ESC)
  • ABS And Driveline Traction Control
  • Side Impact Beams
  • Dual Stage Driver And Passenger Seat-Mounted Side Airbags
  • Audi pre-sense basic
  • Lane departure warning Lane Departure Warning
  • Low Tire Pressure Warning
  • Dual Stage Driver And Passenger Front Airbags
  • Sideguard Curtain 1st And 2nd Row Airbags
  • Airbag Occupancy Sensor
  • Driver And Passenger Knee Airbag
  • Power Rear Child Safety Locks
  • Outboard Front Lap And Shoulder Safety Belts
  • Back-Up Camera

Audi S4 Insurance Loss Probability

The Audi S4’s insurance loss probability varies between different coverage types. The lower percentage means lower Audi S4 auto insurance costs; higher percentages mean higher Audi S4 auto insurance costs.

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 an Audi S4, you will pay more if you purchase Audi S4 car insurance at the dealership, so be sure to shop around and compare Audi S4 car insurance quotes from the best companies using our FREE tool below.

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Ways to Save on Audi S4 Insurance

If you want to reduce the cost of your Audi S4 insurance rates, follow these tips below:

  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Get Married and Ask for a Discount
  • Get Audi S4 Auto Insurance Through Costco
  • Work with a Direct Insurer Instead of an Insurance Broker for Your Audi S4
  • Move to an Area with Better Weather

Top Audi S4 Insurance Companies

Several top car insurance companies offer competitive rates for the Audi S4 rates based on factors like discounts for safety features. Take a look at this list of top car insurance companies that are popular with Audi S4 drivers organized by market share.

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

Start comparing Audi S4 auto insurance quotes for free by using our FREE online comparison tool.

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