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Audi S4 insurance rates

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Blue Audi s4 2020

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The Audi S4 is a sedan that's expensive to insure. The average cost of auto insurance for the Audi S4 is $144 a month or $1,728 a year. With a starting MSRP of $58,350, that makes the price-to-cost ratio 2.96%, compared to the national average of 3%. However, your actual cost may vary depending on your location, driving history, S4 trim and options and other factors.

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Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

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What factors affect insurance for the Audi S4?

Insurance rates for the Audi S4 are based on theft rates, vehicle performance, repair costs and other factors that vary between makes and models. Here’s how the S4 compares to other vehicles.
  • Type of car. The Audi S4 is a sedan, which tend to be cheaper to insure.
  • Theft. Theft rates for this car are low, which may lower the cost of insurance.
  • Repairs. Repairs for this car are average, which typically leads to average insurance premiums.
  • Safety ratings. This car has good safety ratings, which typically makes cars cheaper to insure.
  • Fuel type. Cars with gas engines are usually slightly cheaper to insure than other fuel types.
  • Trim. Generally, your insurance goes up when you opt for a pricier trim level or more features upgrades. Popular trim levels for this model include the Base trim, depending on the model year.
  • Coverage. For a sedan, you might consider a policy with your state's required coverage with high liability limits plus collision and comprehensive coverage. And the more coverage you have, the higher your insurance rates.
  • Warranty. New S4s come with a 4-year, 50,000 miles warranty from Audi plus roadside assistance.
  • Manufacturer deals. Currently, Audi is offering financing through Audi Financial Services. You can also find other financing deals from Audi by checking with your local dealer.

What discounts does the S4 qualify for?

You could save money on car insurance for your Audi S4 if it comes equipped with certain safety features.
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount
  • Safety device discount

Audi S4 safety and reliability ratings

The Audi S4 scores unrated from the NHTSA, which means its safety is relatively high. However, models of this make generally have low safety ratings, which tends to drive up insurance rates. Cars with high safety ratings are usually cheaper to insure because they're easier to repair and safer in a car crash.

Compare the S4 to similar cars

Find out how other Audi models compare or explore vehicles similar to the S4. Compare all car makes and models

Bottom line

The Audi S4 is a sedan with low theft rates and average maintenance, making it expensive to insure. Compare car insurance quotes to find the best price for the coverage you need for your Audi S4.
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