Audi S4 Insurance Cost [Rates + Cheap Coverage Guide]
Average Audi S4 car insurance rates cost $132 per month ($1,588 per year). On average, Audi S4 comprehensive insurance coverage costs $387, collision coverage costs $565, and liability coverage costs $448.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jul 16, 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
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.
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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 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 |
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 |
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 | |
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 | ||||
|---|---|---|---|---|
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 | |
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.
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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 | |||
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.