What is the Best Car Insurance for an Audi S4?

Average auto insurance rates for an Audi S4 cost $1,588 a year, or around $132 a month. On average, Audi S4 comprehensive insurance coverage costs $387, collision coverage costs $565, and liability coverage costs $448.

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Reviewed byJoel Ohman
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UPDATED: Jul 17, 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 average $1,588 a year or $132 a month. Good drivers can save up to $655 a year with policy discounts by practicing safe driving habits. 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 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 Chevrolet Malibu, Toyota Camry, and Subaru Legacy.

VehicleComprehensiveCollisionLiabilityTotal
Audi S4$370$744$338$1,588
Chevrolet Malibu$322$532$372$1,384
Toyota Camry$294$570$390$1,412
Subaru Legacy$370$506$338$1,350
Hyundai Sonata$294$532$420$1,426
Chevrolet Cruze$308$594$372$1,432
Cadillac CTS$320$626$398$1,502

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 auto insurance coverage.

Age of the Vehicle

The average Audi S4 auto insurance rates are higher for newer models. For example, auto insurance rates for a 2018 Audi S4 cost $1,588, while 2010 Audi S4 rates are $1,244, a difference of $344.

Model YearComprehensiveCollisionLiabilityTotal
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 example, 20-year-old drivers pay approximately $1,942 more each year for their Audi S4 auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Audi S4 insurance rates. For example, drivers in Los Angeles may pay $587 a year more than drivers in Philadelphia.

Your Driving Record

Your driving record can have an impact on the cost of Audi S4 auto 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 auto insurance rates are tied to the Audi S4’s safety ratings. See the breakdown below:

Test TypeRating
Small overlap front: driver-sideNot Tested
Small overlap front: passenger-sideNot Tested
Moderate overlap frontNot Tested
SideNot Tested
Roof strengthNot Tested
Head restraints and seatsGood
Source: Insurance Institute for Highway Safety

Audi S4 Crash Test Ratings

Audi S4 crash test ratings will affect your Audi S4 car insurance rates.

Vehicle TestedOverallFrontalSideRollover
2020 Audi S4 4 DR AWDN/RN/RN/R5 stars
2019 Audi S4 4 DR AWDN/RN/RN/R5 stars
2018 Audi S4 4 DR AWDN/RN/RN/R5 stars
2016 Audi S4 4 DR AWD5 stars5 stars5 stars5 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Audi S4 Safety Features

The Audi S4 safety features can help lower insurance costs. According to AutoBlog, 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

The lower percentage means lower Audi S4 auto insurance rates; higher percentages mean higher Audi S4 car insurance rates. The Audi S4’s insurance loss probability varies for each form of coverage.

Insurance Coverage CategoryLoss Rate
Collision106%
Property Damage-22%
Comprehensive82%
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 quotes 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.

  • Talk to Your Credit Card Company to Save on Rental Car Costs
  • Use a Service Like Turo to Rent Out Your Audi S4
  • Buy Winter Tires for Your Audi S4
  • Move to an Area with Better Weather
  • Reduce Modifications on Your Audi S4

Top Audi S4 Insurance Companies

The best auto insurance companies for Audi S4 car insurance rates will offer competitive rates, discounts, and account for the Audi S4’s safety features. The following list of car insurance companies outlines which companies hold the highest market share.

RankCompanyVolumeMarket Share
1State Farm$65,615,1909.3%
2GEICO$46,106,9716.6%
3Progressive$39,222,8795.6%
4Liberty Mutual$35,600,0515.1%
5Allstate$35,025,9035.0%
6Travelers$28,016,9664.0%
7USAA$23,483,0803.3%
8Chubb$23,388,3853.3%
9Farmers$20,643,5592.9%
10Nationwide$18,442,1452.6%
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.

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Compare quotes from the top car insurance companies and save!

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