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.
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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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 | |||
Compare Free Audi S4 Insurance Quotes Online
Start comparing Audi S4 auto insurance quotes for free by using our FREE online comparison tool.