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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Insuring an Audi S4 costs around $208 per month, which is about 27% higher than the national average of $164.
The cheapest insurer for an S4 is USAA, with average monthly premiums of $103.
Luxury status, a turbocharged engine, and limited safety features increase S4 insurance costs.
Audi S4 car insurance rates vary widely depending on the policy type you choose.
Liability-only coverage provides basic protection for damage and injuries you cause to others. Full-coverage insurance adds collision and comprehensive coverage. Collision pays for your vehicle damages after an at-fault accident, and comprehensive pays for damage caused by incidents like fire, theft, and vandalism.
The table below compares Audi S4 insurance costs to the average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability |
|---|---|
| Audi S4 | $145 |
| All vehicles | $115 |
S4 drivers pay around 26% more for liability and 28% more for full coverage than drivers of other models, thanks in part to higher performance and repair costs.
Now, let’s break down other factors like driver profile, location, and model year to see how they affect Audi S4 insurance pricing.
Comparing personalized quotes is the only way to find the best coverage.
Insurance costs for the Audi S4 can vary significantly by insurer because each insurer weighs factors such as driver history, location, vehicle repair costs, and claims risk differently. Premium can swing widely even for the same car, making comparison shopping a wise choice for S4 owners.
Check out the table below for the cheapest insurers for the Audi S4, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $123 |
| Allstate | $137 |
| GEICO | $152 |
| American Family | $158 |
| Progressive | $184 |
| Nationwide | $191 |
| Travelers | $201 |
| Farmers | $241 |
| Liberty Mutual | $304 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA is an excellent fit for eligible Audi S4 drivers, offering affordable rates for a higher-performance sedan. The insurer offers add-ons such as accident forgiveness and overseas coverage, as well as potential savings during deployment or when storing a vehicle on base.
Lowest average Audi S4 rates
Military-related discounts
Only available to military members
Gap insurance not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers low rates for Audi S4 drivers, especially if you qualify for accident-free, good-driver, and multi-policy discounts. Its Drive Safe & Save program gives an initial 10% participation discount, plus up to 30% in additional savings based on driving habits and mileage.
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers valuable perks for Audi S4 drivers, including deductible rewards and a safe driving bonus for staying accident-free. Its Drivewise telematics program gives safe drivers more ways to save, though high-risk driving habits may increase rates. Low-mileage drivers might get an even better deal with Milewise, its pay-per-mile insurance plan.
Vanishing deductible rewards available
Customizable coverage options
Drivewise participation may raise rates
Poor Trustpilot rating[3]
Your car’s age affects what you’ll pay for insurance. That’s because newer cars are worth more, and insurers base part of your premium on how much it would cost to replace your car. So if you have a newer Audi S4, you’ll typically pay more than someone with an older model.
The tables below show average monthly premiums for different Audi S4 model years, according to Compare.com data.
S4 Model Year | Average Monthly Premium |
|---|---|
| 2025 | $252 |
| 2024 | $252 |
| 2023 | $250 |
| 2022 | $251 |
| 2021 | $241 |
| 2020 | $232 |
| 2019 | $226 |
| 2018 | $218 |
| 2016 | $208 |
| 2015 | $205 |
Company | Average Monthly Premium |
|---|---|
| USAA | $125 |
| State Farm | $150 |
| Allstate | $167 |
| GEICO | $185 |
| American Family | $192 |
| Progressive | $223 |
| Nationwide | $231 |
| Travelers | $244 |
| Farmers | $293 |
| Liberty Mutual | $369 |
Company | Average Monthly Premium |
|---|---|
| USAA | $125 |
| State Farm | $150 |
| Allstate | $167 |
| GEICO | $185 |
| American Family | $192 |
| Progressive | $223 |
| Nationwide | $231 |
| Travelers | $244 |
| Farmers | $293 |
| Liberty Mutual | $369 |
Company | Average Monthly Premium |
|---|---|
| USAA | $124 |
| State Farm | $148 |
| Allstate | $165 |
| GEICO | $183 |
| American Family | $190 |
| Progressive | $221 |
| Nationwide | $229 |
| Travelers | $242 |
| Farmers | $290 |
| Liberty Mutual | $365 |
Company | Average Monthly Premium |
|---|---|
| USAA | $125 |
| State Farm | $149 |
| Allstate | $166 |
| GEICO | $184 |
| American Family | $191 |
| Progressive | $222 |
| Nationwide | $230 |
| Travelers | $243 |
| Farmers | $291 |
| Liberty Mutual | $367 |
Company | Average Monthly Premium |
|---|---|
| USAA | $120 |
| State Farm | $143 |
| Allstate | $159 |
| GEICO | $177 |
| American Family | $183 |
| Progressive | $213 |
| Nationwide | $221 |
| Travelers | $233 |
| Farmers | $279 |
| Liberty Mutual | $352 |
Company | Average Monthly Premium |
|---|---|
| USAA | $115 |
| State Farm | $137 |
| Allstate | $153 |
| GEICO | $170 |
| American Family | $176 |
| Progressive | $205 |
| Nationwide | $212 |
| Travelers | $224 |
| Farmers | $268 |
| Liberty Mutual | $338 |
Company | Average Monthly Premium |
|---|---|
| USAA | $112 |
| State Farm | $134 |
| Allstate | $149 |
| GEICO | $166 |
| American Family | $172 |
| Progressive | $200 |
| Nationwide | $207 |
| Travelers | $218 |
| Farmers | $262 |
| Liberty Mutual | $330 |
Company | Average Monthly Premium |
|---|---|
| USAA | $108 |
| State Farm | $129 |
| Allstate | $143 |
| GEICO | $159 |
| American Family | $165 |
| Progressive | $192 |
| Nationwide | $199 |
| Travelers | $210 |
| Farmers | $252 |
| Liberty Mutual | $318 |
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $123 |
| Allstate | $137 |
| GEICO | $152 |
| American Family | $158 |
| Progressive | $184 |
| Nationwide | $191 |
| Travelers | $201 |
| Farmers | $241 |
| Liberty Mutual | $304 |
Company | Average Monthly Premium |
|---|---|
| USAA | $102 |
| State Farm | $121 |
| Allstate | $135 |
| GEICO | $150 |
| American Family | $155 |
| Progressive | $181 |
| Nationwide | $187 |
| Travelers | $198 |
| Farmers | $237 |
| Liberty Mutual | $299 |
Compare personalized quotes from America’s top companies.
Where you live makes a real difference in what you’ll pay for your S4’s insurance. Your state sets its own minimum coverage requirements, which directly affects your baseline costs. Beyond that, insurers look at local factors like weather patterns, repair costs, crime rates, and how often lawsuits happen in your area.[4]
Here’s a look at how average Audi S4 costs vary by state, according to our data.
State | Average Monthly Premium |
|---|---|
| Alabama | $190 |
| Alaska | $187 |
| Arizona | $231 |
| Arkansas | $237 |
| California | $296 |
| Colorado | $289 |
| Connecticut | $380 |
| Delaware | $346 |
| Florida | $301 |
| Georgia | $364 |
| Hawaii | $190 |
| Idaho | $149 |
| Illinois | $218 |
| Indiana | $188 |
| Iowa | $149 |
| Kansas | $213 |
| Kentucky | $272 |
| Louisiana | $286 |
| Maine | $213 |
| Maryland | $413 |
| Massachusetts | $210 |
| Michigan | $310 |
| Minnesota | $239 |
| Mississippi | $200 |
| Missouri | $254 |
| Montana | $207 |
| Nebraska | $203 |
| Nevada | $350 |
| New Hampshire | $124 |
| New Jersey | $365 |
| New Mexico | $201 |
| New York | $270 |
| North Carolina | $128 |
| North Dakota | $169 |
| Ohio | $174 |
| Oklahoma | $247 |
| Oregon | $206 |
| Pennsylvania | $228 |
| Rhode Island | $318 |
| South Carolina | $340 |
| South Dakota | $200 |
| Tennessee | $194 |
| Texas | $312 |
| Utah | $210 |
| Vermont | $213 |
| Virginia | $260 |
| Washington | $241 |
| Washington D.C. | $451 |
| West Virginia | $216 |
| Wisconsin | $166 |
| Wyoming | $147 |
Your driving experience matters when it comes to insurance costs. Teen drivers face the highest crash rates of any age group, which is why their premiums run so much higher. The good news is that as you gain more years behind the wheel, crash rates drop significantly, and your premiums do as well.[5]
Here’s a look at how premiums vary across age groups for Audi S4 drivers, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $402 |
| Adults | $198 |
| Seniors | $177 |
Teens pay higher rates because the numbers tell a stark story. Drivers aged 16–19 are nearly three times as likely to get into an accident as drivers aged 20 and older.[6] Inexperience behind the wheel translates directly to risk, and insurers raise prices accordingly.
Here are the companies with the most competitive rates for teen Audi S4 drivers, according to our data.
Senior drivers often receive some of the best car insurance rates, thanks to their years of driving experience. Many older drivers also tend to be more cautious, follow speed limits, and drive fewer miles overall.[7]
For these reasons, insurers see them as lower risk and charge them lower rates for coverage. If you’re a senior with an S4, you can get even lower rates with the companies in the chart below, based on our research.
Your driving history influences what you’ll pay more than almost any other factor. Insurers review your record because it’s a strong predictor of future claims.[8] Past violations, like tickets and accidents, tell companies whether you’re a riskier driver.
The good news is some insurers specialize in covering high-risk drivers, so you’ve still got options even if your record isn’t spotless.
Here’s a look at our data on the cheapest insurers for S4 drivers with moving violations on their records.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $208 |
| Speeding ticket | $279 |
| At-fault accident | $298 |
| DUI | $335 |
Speeding tickets can increase your rates because insurers see them as red flags for future claims. How much your rate goes up can depend on how fast you were going over the limit. Speeding accounted for approximately 29% of all motor vehicle fatalities in 2023, which helps explain why insurance companies take these violations seriously.[9]
Here are the cheapest insurers for Audi S4 drivers with a recent ticket, according to our research.
An at-fault accident signals to insurers that you’re more likely to have another one down the road. When you file a claim above a specific amount for an accident you caused, insurers typically raise your premium by a certain percentage. These increases typically remain in effect for three years after the claim.[10]
The chart below highlights a few companies that offer great rates, even if you have a recent accident.
Driving under the influence (DUI) is extremely dangerous, so a DUI will cause your car insurance costs to increase dramatically. In fact, you’re four times more likely to cause an accident with a BAC of .08 (the legal limit in most states) than if you were sober, according to the National Highway Traffic Safety Administration (NHTSA).
If the state convicts you of a DUI, it’ll likely require you to file an SR-22 or FR-44 form, which shows you have the required insurance coverage, before you can get your license back.
Here are the most affordable insurance options for Audi S4 drivers with a DUI on their records, according to our research.
Features and other factors affect how much you pay for Audi S4 car insurance, including:
A turbocharged engine and sporty handling classify the Audi S4 as a higher-risk car, which means you’ll likely pay more to insure it.
The S4’s premium build and Kelley Blue Book price range of $56,195–$62,795 make repairs and replacement costly, raising insurance premiums.
The S4’s standard driver-assistance safety technology (only available on Premium Plus and Prestige trims), a 5-star NHTSA rating, and an Insurance Institute for Highway Safety Top Safety Pick+ rating help lower insurance costs for the S4.
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Here are a few ways you can get cheaper Audi S4 car insurance:
Use telematics programs. Practicing safe driving habits could lead to lower S4 insurance rates if you allow your insurer to track your trips.
Buy a lower-level trim. Although you get more advanced safety features with higher trim levels, lower trims cost less to repair and insure, which could lead to more savings.
Ask about discounts. Most insurers offer car insurance discounts to help drivers save. Ask which discounts are available so you can take advantage of everything you qualify for.
Consider a higher deductible. Raising your deductible will lower your premium. Just make sure you can afford the higher out-of-pocket costs if you file a claim.
Get real-time quotes and save money on your next policy.
If you have more questions about Audi S4 insurance, here’s what Audi S4 owners ask most about coverage and costs.
Yes. You’ll likely pay higher-than-average rates to insure an Audi S4. The overall average cost of Audi S4 car insurance is $208 per month, compared to the national average rate of $164 per month for all vehicles, according to our data.
USAA, which serves members of the military community, offers the lowest rates for S4 drivers, averaging $103 per month, according to our data. But if you’re not active-duty military, a veteran, or a qualifying family member, you’ll have to look elsewhere for coverage. State Farm and Allstate also offer competitive rates for Audi S4s at $123 and $137 per month, respectively.
The average cost of car insurance for a 2025 Audi S4 is $252 per month. That breaks down to a monthly average of $329 for full coverage and $176 for liability-only policies, based on our research.
The Audi TT — a sports car that Audi discontinued in 2023 — has the lowest average insurance cost, at $148 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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