Audi S4 Car Insurance Cost 2025
On average, car insurance for an Audi S4 costs around $3,722 per year. However, the actual cost can vary depending on factors such as your age, the model year of the car, and other personal details. You can use our quote tables below to estimate your specific insurance costs.
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If you’re thinking about buying an Audi S4, one important factor to consider is the insurance cost. On average, insurance for an Audi S4 costs $3,722 per year. Insurance is a big part of owning a car, so it’s essential to understand what you’re signing up for before you commit.
Choosing the right insurance policy is crucial because it can prevent unexpected and expensive bills later on. You don’t want to be caught without enough coverage if an accident happens, leaving you responsible for large expenses. Plus, if you’re at fault in an accident, your insurance premiums could go up.
Having analyzed car insurance rates for over ten years, I’ve seen how much prices can vary. Your age, driving history, and where you live all play a significant role in determining your insurance costs.
How Much Does An Audi S4 Car Insurance Cost?
On average, Audi S4 drivers can expect to pay around $3,722 per year for car insurance.
Car insurance rates can fluctuate significantly based on several factors, including your location, driving history, vehicle model year, and the type of coverage you choose. A clean driving record can lead to lower premiums, while accidents or traffic violations might increase your rates.
Additionally, where you live plays a role. Drivers in urban areas with heavy traffic tend to face higher insurance premiums compared to those in rural areas with less congestion. The coverage you choose also affects the cost—comprehensive insurance, which includes both comprehensive and collision coverage, generally costs more than basic liability coverage.
As illustrated in the table below, Audi S4 insurance premiums tend to be higher than the average for all Audi models. However, they are still more expensive than the average rate for all cars.
Insuranceopedia offers a helpful tool to compare quotes from various auto insurance companies, ensuring you can find the most cost-effective coverage for your needs.
| Vehicle | Average Monthly Premium |
| Audi S4 | $215 |
| All Audis | $195 |
| All Cars | $175 |
Average Insurance Cost Of Audi S4 By Model Year
| Model Year | Average Premium |
| 2023 Audi S4 | $1,716 |
| 2022 Audi S4 | $2,414 |
| 2021 Audi S4 | $2,418 |
| 2020 Audi S4 | $4,120 |
| 2019 Audi S4 | $2,445 |
| 2018 Audi S4 | $1,428 |
| 2016 Audi S4 | $3,650 |
| 2015 Audi S4 | $2,131 |
| 2014 Audi S4 | $2,313 |
| 2013 Audi S4 | $1,580 |
| 2012 Audi S4 | $1,548 |
| 2011 Audi S4 | $1,583 |
| 2010 Audi S4 | $1,903 |
2023 Audi S4 Insurance Rates
The average annual insurance cost for a 2023 Audi S4 is $1,716. However, National General offers the cheapest rates, averaging $389 per year.
| Insurance Provider | Average Annual Cost |
| Preferred Mutual | $2,207 |
| Chubb | $2,310 |
| Hanover | $2,015 |
| Erie | $1,853 |
| Nationwide | $1,754 |
| National General | $389 |
| USAA | $1,618 |
| Unitrin | $2,118 |
| State Farm | $1,806 |
| Travelers | $1,089 |
2022 Audi S4 Insurance Rates
The average annual insurance cost for a 2022 Audi S4 is $2,414. However, Mercury Insurance Company offers the cheapest rates, averaging $2,127 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,342 |
| Mercury Insurance Company | $2,127 |
| Alliance United | $2,769 |
| USAA | $2,371 |
| State Farm | $2,789 |
| Nationwide | $2,882 |
| Bristol West | $2,408 |
| Mercury | $2,053 |
| Country | $2,271 |
| CSAA | $2,132 |
2021 Audi S4 Insurance Rates
The average annual insurance cost for a 2021 Audi S4 is $2,418. However, Mercury offers the cheapest rates, averaging $2,053 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,342 |
| Mercury Insurance Company | $2,127 |
| Alliance United | $2,769 |
| USAA | $2,371 |
| State Farm | $2,789 |
| Nationwide | $2,882 |
| Bristol West | $2,408 |
| Mercury | $2,053 |
| Country | $2,271 |
| CSAA | $2,132 |
2020 Audi S4 Insurance Rates
The average annual insurance cost for a 2020 Audi S4 is $4,120. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,979 per year.
| Insurance Provider | Average Annual Cost |
| Bristol West | $4,939 |
| Texas Farm Bureau Group | $1,979 |
| Mercury | $4,399 |
| Republic Indemnity | $3,649 |
| State Farm | $5,060 |
| Allied | $4,903 |
| California Capital | $3,622 |
| Mercury Insurance | $4,788 |
| CSAA | $4,595 |
| AIG | $3,263 |
2019 Audi S4 Insurance Rates
The average annual insurance cost for a 2019 Audi S4 is $2,445. However, Safeco offers the cheapest rates, averaging $1,546 per year.
| Insurance Provider | Average Annual Cost |
| GMAC Insurance Group | $2,668 |
| Safeco | $1,546 |
| Capital Insurance Group | $2,589 |
| Auto-Owners Insurance Co | $2,738 |
| Farm Bureau Mutual (IA Group) | $1,748 |
| Mercury Insurance | $2,901 |
| PEMCO | $2,485 |
| Mercury | $2,893 |
| Oregon Mutual | $2,372 |
| Unigard | $2,509 |
2018 Audi S4 Insurance Rates
The average annual insurance cost for a 2018 Audi S4 is $1,428. However, Mercury Insurance offers the cheapest rates, averaging $472 per year.
| Insurance Provider | Average Annual Cost |
| Capital Insurance Group | $1,469 |
| Pekin Insurance | $1,603 |
| Country | $1,812 |
| Mercury Insurance | $472 |
| Dairyland | $1,557 |
| Safeco | $742 |
| Buckeye Insurance Group | $1,310 |
| Westfield | $1,906 |
| Kemper Auto | Infinity | $1,596 |
| Hastings Mutual Insurance Co | $1,817 |
2016 Audi S4 Insurance Rates
The average annual insurance cost for a 2016 Audi S4 is $3,650. However, Nationwide offers the cheapest rates, averaging $3,191 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $3,752 |
| Metropolitan | $4,377 |
| Hartford | $3,944 |
| California Capital | $3,227 |
| Allstate | $4,235 |
| Travelers | $2,214 |
| Nationwide | $3,191 |
| Esurance | $4,351 |
| Mercury | $3,292 |
| CSAA | $3,914 |
2015 Audi S4 Insurance Rates
The average annual insurance cost for a 2015 Audi S4 is $2,131. However, Direct Auto offers the cheapest rates, averaging $624 per year.
| Insurance Provider | Average Annual Cost |
| California Capital | $2,612 |
| Direct Auto | $624 |
| USAA | $2,969 |
| SafeAuto | $1,200 |
| Travelers | $2,400 |
| Grange | $2,936 |
| Mercury | $2,652 |
| Hartford | $2,723 |
| Clearcover | $1,251 |
| Dairyland | $1,947 |
2014 Audi S4 Insurance Rates
The average annual insurance cost for a 2014 Audi S4 is $2,313. However, Direct Auto offers the cheapest rates, averaging $1,777 per year.
| Insurance Provider | Average Annual Cost |
| Victoria | $2,260 |
| Country | $2,381 |
| Travelers | $2,397 |
| Direct Auto | $1,777 |
| State Farm | $3,120 |
| Capital Insurance Group | $2,299 |
| Unitrin | $2,298 |
| Countryway Insurance | $2,012 |
| Plymouth Rock | $2,035 |
| Dairyland | $2,554 |
2013 Audi S4 Insurance Rates
The average annual insurance cost for a 2013 Audi S4 is $1,580. However, Dairyland Broadform offers the cheapest rates, averaging $681 per year.
| Insurance Provider | Average Annual Cost |
| Farm Bureau Ins of MI | $1,889 |
| SafeAuto | $1,927 |
| PEMCO | $1,622 |
| Virginia Farm Bureau | $1,147 |
| Capital Insurance Group | $2,050 |
| Direct Auto | $1,690 |
| Dairyland Broadform | $681 |
| NatGen PPA | $1,242 |
| Oregon Mutual | $1,784 |
| Auto-Owners Insurance Co | $1,767 |
2012 Audi S4 Insurance Rates
The average annual insurance cost for a 2012 Audi S4 is $1,548. However, SafeAuto offers the cheapest rates, averaging $915 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,052 |
| Pioneer State Mutual Ins Co | $2,021 |
| Direct Auto | $1,558 |
| Mercury Insurance | $1,387 |
| Chubb | $1,520 |
| Farm Bureau Ins of MI | $1,625 |
| Clearcover | $2,012 |
| MEEMIC Insurance Company | $1,538 |
| Unitrin | $1,854 |
| SafeAuto | $915 |
2011 Audi S4 Insurance Rates
The average annual insurance cost for a 2011 Audi S4 is $1,583. However, Safeco offers the cheapest rates, averaging $374 per year.
| Insurance Provider | Average Annual Cost |
| Esurance | $1,708 |
| Safeco | $374 |
| Farm Bureau Ins of MI | $1,963 |
| PEMCO | $1,610 |
| Hartford | $2,171 |
| Mercury Insurance | $1,132 |
| Mercury | $1,152 |
| USAA | $2,046 |
| Oregon Mutual | $1,755 |
| Capital Insurance Group | $1,914 |
2010 Audi S4 Insurance Rates
The average annual insurance cost for a 2010 Audi S4 is $1,903. However, Safeco offers the cheapest rates, averaging $142 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $142 |
| Oklahoma Farmers Union | $3,415 |
| Unitrin | $1,993 |
| Travelers | $953 |
| American Family | $1,878 |
| Tennessee Farmers | $898 |
| National Farmers Union P | $3,191 |
| Farm Bureau Ins of MI | $1,985 |
| Westfield | $2,184 |
| National General | $2,394 |
Find Affordable Audi S4 Insurance Rates
Is An Audi S4 Expensive To Insure?
The cost of insuring an Audi S4 is above the average for all cars. However, the exact price you’ll pay depends on several factors, including your age, the age of your car, your location, and other personal details. These elements can significantly influence your premium.
Cost of Audi S4 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents. As you age, your premiums tend to decrease, as you are considered a lower risk by insurers.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $12,613 | $18,503 | $21,691 |
| 18 | $11,724 | $17,321 | $20,198 |
| 19 | $10,382 | $15,247 | $17,876 |
| 20 | $9,107 | $13,300 | $15,553 |
| 21 | $7,648 | $11,168 | $13,022 |
| 22 | $7,444 | $10,830 | $12,679 |
| 23 | $6,458 | $9,505 | $11,164 |
| 24 | $6,151 | $9,081 | $10,600 |
| 25 | $5,273 | $7,797 | $9,092 |
| 30 | $4,141 | $6,031 | $7,076 |
| 35 | $3,881 | $5,715 | $6,675 |
| 40 | $3,680 | $5,442 | $6,414 |
| 45 | $3,615 | $5,352 | $6,199 |
| 55 | $3,278 | $4,913 | $5,713 |
| 65 | $3,485 | $5,074 | $5,989 |
| 75 | $4,350 | $6,437 | $7,552 |
Audi S4 Car Insurance Rates By State
Your location plays a significant role in determining your car insurance rates. Each state has its own regulations, which can affect premiums. For instance, Michigan drivers often face higher rates due to state-required higher coverage levels. Local climate also influences premiums, with areas prone to extreme weather like hurricanes or flooding seeing higher rates. Additionally, crime statistics and accident rates in your area—such as car thefts, crashes, and fatalities—are factored in by insurance companies when calculating your Audi S4 insurance cost.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,969 | $5,754 | $7,285 |
| Alaska | $3,310 | $4,484 | $4,397 |
| Arizona | $3,689 | $5,337 | $7,901 |
| Arkansas | $4,002 | $6,396 | $6,978 |
| California | $4,504 | $8,010 | $4,515 |
| Colorado | $4,168 | $5,848 | $7,516 |
| Connecticut | $5,340 | $8,368 | $10,593 |
| Delaware | $4,493 | $5,894 | $7,640 |
| Florida | $5,260 | $7,287 | $9,594 |
| Georgia | $4,333 | $6,452 | $6,552 |
| Hawaii | $1,734 | $2,388 | $1,687 |
| Idaho | $3,011 | $3,977 | $4,811 |
| Illinois | $3,104 | $4,788 | $5,402 |
| Indiana | $3,176 | $4,974 | $5,507 |
| Iowa | $2,601 | $3,522 | $4,153 |
| Kansas | $3,419 | $4,925 | $5,827 |
| Kentucky | $4,939 | $7,168 | $8,466 |
| Louisiana | $6,347 | $9,540 | $10,353 |
| Maine | $2,385 | $3,287 | $4,848 |
| Maryland | $3,880 | $5,590 | $6,284 |
| Massachusetts | $3,138 | $5,375 | $3,093 |
| Michigan | $7,483 | $11,412 | $17,930 |
| Minnesota | $3,067 | $4,085 | $5,723 |
| Mississippi | $3,717 | $5,250 | $5,288 |
| Missouri | $3,471 | $5,035 | $6,610 |
| Montana | $3,536 | $4,957 | $5,763 |
| Nebraska | $2,960 | $4,399 | $4,814 |
| Nevada | $4,983 | $7,376 | $7,769 |
| New Hampshire | $3,445 | $5,474 | $6,934 |
| New Jersey | $3,822 | $5,930 | $7,769 |
| New Mexico | $3,926 | $5,796 | $6,017 |
| New York | $3,631 | $4,546 | $7,508 |
| North Carolina | $2,189 | $3,824 | $2,685 |
| North Dakota | $3,051 | $4,638 | $5,485 |
| Ohio | $2,710 | $4,148 | $4,322 |
| Oklahoma | $4,383 | $6,204 | $6,981 |
| Oregon | $3,988 | $5,269 | $6,304 |
| Pennsylvania | $3,375 | $4,869 | $5,671 |
| Rhode Island | $5,601 | $8,116 | $9,125 |
| South Carolina | $3,796 | $5,183 | $7,220 |
| South Dakota | $3,414 | $4,918 | $5,605 |
| Tennessee | $3,952 | $5,868 | $7,823 |
| Texas | $4,024 | $5,762 | $7,207 |
| Utah | $3,454 | $4,824 | $6,525 |
| Vermont | $2,577 | $4,033 | $4,242 |
| Virginia | $2,500 | $3,806 | $3,701 |
| Washington | $3,262 | $4,487 | $5,351 |
| West Virginia | $3,262 | $4,738 | $5,873 |
| Wisconsin | $3,286 | $5,124 | $5,823 |
| Wyoming | $3,030 | $4,337 | $4,550 |
Find Affordable Audi S4 Insurance Rates
Cheapest Car Insurance Companies For An Audi S4
If you’re seeking the most affordable car insurance for your Audi S4, Clearcover offers the lowest premium, averaging $22 per month. However, keep in mind that rates can vary based on your individual driver profile. To find the best rates tailored to your situation, it’s advisable to shop around and compare quotes from different providers.
| Company | Average Monthly Rate |
| Clearcover | $22 |
| MetLife | $47 |
| Shelter Mutual | $35 |
| Sun Coast | $48 |
| Hugo | $34 |
Common Audi S4 Insurance Discounts
Discounts are an effective way to reduce your car insurance premiums. While each insurer offers unique discounts, some common ones to look for include:
- Multi-policy: Bundling your home and auto insurance with the same provider may help lower your premium.
- Pay annually: Opting to pay your premium in full at once, rather than monthly installments, can often lead to savings.
- Defensive driving: Completing a certified defensive driving course may qualify you for a discount.
Other potential discounts may also apply. It’s a good idea to speak with your insurance agent to explore all available options that suit your profile.
Ways To Save On Audi S4 Insurance Costs
Keeping a clean driving record is one of the most effective ways to reduce your Audi S4 insurance premiums. Speeding tickets or accidents can cause your rates to increase.
For example, Audi S4 drivers with a ticket on their record may pay around $128 per month, while those with multiple accidents might pay about $117 per month. Avoiding such incidents can help keep your premiums lower.
Additionally, low annual mileage often results in cheaper insurance. Drivers who cover between 5,000 and 7,500 miles per year might pay around $85 per month, whereas those who exceed 10,000 miles annually could pay about $95 per month.
Compare Audi S4 To Other Audi Models
Looking for other Audi model insurance costs?
- Audi A4 Car Insurance
- Audi Q5 Car Insurance
- Audi A3 Car Insurance
- Audi Q3 Car Insurance
- Audi A5 Car Insurance
- Audi A7 Car Insurance
- Audi Q7 Car Insurance
- Audi A6 Car Insurance
- Audi E-Tron Car Insurance
- Audi R8 Car Insurance
- Audi S5 Car Insurance
- Audi A8 Car Insurance
- Audi Q8 Car Insurance
- Audi S6 Car Insurance
- Audi S8 Car Insurance
- Audi SQ5 Car Insurance
- Audi TT Car Insurance
- Audi TTS Car Insurance
- Audi A4 Allroad Car Insurance
- Audi A6 Allroad Car Insurance
- Audi Q5 E Car Insurance
- Audi RS Q8 Car Insurance
- Audi RS3 Car Insurance
- Audi RS5 Car Insurance
- Audi S3 Car Insurance
- Audi S7 Car Insurance
- Audi SQ7 Car Insurance
- Audi SQ8 Car Insurance
- Audi TT RS Car Insurance
Our Methodology
To calculate average car insurance costs, Insuranceopedia gathered thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. However, it's important to note that the actual figures may differ based on your personal circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase An Audi S4?
Yes, you will need to show proof of insurance before driving your Audi S4 off the dealership lot. It’s best to secure an insurance policy beforehand and inform your insurance company about your car purchase, rather than relying on the dealership to arrange coverage. This ensures you’re ready to drive legally and confidently.
How Can You Get The Cheapest Insurance For Your Audi S4?
The most effective way to find the lowest insurance rates for your Audi S4 is by comparing quotes from various auto insurance companies. Luckily, Insuranceopedia offers a platform where you can easily compare quotes from multiple providers, helping you find the best deal for your needs.
