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Online Audi S4 Insurance Rates [How to Find Cheap Rates]

Audi S4 auto insurance cost around $132 a month on average. You can find Audi S4 insurance rates online in our free guide. A liability-only policy costs around $636 a year or $53 each month. Good drivers can save up to $655 a year on these costs by earning discounts.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jul 30, 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 about $69 more per year than the average vehicle in the U.S., with full coverage costing about $1,588 a year or $132 a month. Liability coverage-only can save you some cash on older vehicles, as it only costs about $636 a year or $53 a month. Good drivers can save up to $655 a year with policy discounts that are made for safe and courteous drivers. Let’s 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.

Audi S4 Insurance Cost

The average Audi S4 car 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 Hyundai Sonata, Ford Fusion, and Chevrolet Impala.

Vehicle Comprehensive Collision Liability Total
Audi S4 $370 $744 $338 $1,588
Hyundai Sonata $294 $532 $420 $1,426
Ford Fusion $336 $626 $372 $1,492
Chevrolet Impala $280 $532 $372 $1,342
Mazda 3 $308 $562 $372 $1,400
Nissan Versa $268 $542 $390 $1,358
Audi S3 $356 $744 $264 $1,474

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

The average Audi S4 car insurance rates are higher for newer models. For example, car 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 Jacksonville may pay $953 a year more than drivers in Indianapolis.

Your Driving Record

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

Audi S4 Safety Ratings

Your Audi S4 auto insurance rates are influenced by the Audi S4’s safety ratings. 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 numerous safety features of the Audi S4 help contribute to lower insurance rates. The 2020 Audi S4 has the following safety features:

  • 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

Another contributing factor that plays a direct role in Audi S4 insurance rates is the loss probability for 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, 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.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Ways to Save on Audi S4 Insurance

You have more options at your disposal to save money on your Audi S4 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Audi S4 car insurance rates

  • Take Public Transit Instead of Driving Your Audi S4
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Compare Audi S4 Quotes for Free Online
  • Start Searching for New Audi S4 Car Insurance a Month Before Your Renewal
  • Check Your Audi S4 Policy Carefully to Ensure All Information is Correct

Top Audi S4 Insurance Companies

Who is the top 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 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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