Audi S4 Car Insurance: How Much Should You Expect to Pay?

Audi S4 drivers pay about $199 monthly for their car insurance, on average. Take a look at our complete guide to find out how much insurance companies might charge you to insure your Audi S4.

Quick Facts

  • An Audi S4 costs more than most other cars to insure.
  • Full coverage auto insurance for a S4 tends to be around $209 a month, on average, while liability only insurance usually comes in at about $78 per month.
  • The most affordable insurance company for a S4 is Sun Coast, who offers liability only coverage for sometimes as low as $33 monthly, on average.

S4 Overview

With 2021 models coming in with a base MSRP of $49,900, the Audi S4 is a great choice for a mid-level car. There are three different trim levels currently offered, so you'll be sure to find an option to fit your style.

We combed through thousands of auto insurance quotes on Compare.com, and we've found that average Audi S4 car insurance prices run around $199 per month. Where does that fall compared to the rest of the market?

Current Base Price$49,900
Body Style(s)Car
Trim LevelsPRESTIGE, PREMIUM, PREMIUM PLUS
Average Insurance Premium$199/mo.
Cheapest Insurance CompanySun Coast

How Much is Car Insurance for an Audi S4?

Vehicle Liability Only Full Coverage
Audi S4$78$209
All Audi Models$80$190
All Cars$83$177
Average Insurance Premium$81$169

Looking at the table above, you'll find that Audi S4 insurance rates are higher than average. S4 owners can expect to pay about $78 a month for liability insurance, and around $209 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (learn more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

When compared to other Audi models, the S4 is slightly more expensive, with premiums more than 5% higher than the rest of the automaker's vehicle offerings. Compared to offerings from other brands, insurance for a S4 runs close to average, with full coverage insurance prices coming in at 18% higher than other cars and liability insurance premiums at 6% cheaper.

Compared to all vehicles of any body type, the S4 is slightly less expensive for liability only auto insurance, but full coverage rates are more expensive on average.

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Who has the Cheapest Car Insurance for an Audi S4?

Insurance Company Average Monthly Premium
Clearcover$27
Shelter Mutual$29
Hugo$29
MetLife$32
Sun Coast$33

If you're in the market for a new auto insurance policy for your Audi S4, you might want to know which carrier offers the lowest prices. Even though prices can shift quite significantly depending on your driver profile, Clearcover offers the cheapest average rates for liability only coverage, with rates sometimes as little as $27 per month. The runner up for lowest rates is Shelter Mutual, with car insurance policies starting as cheap as just $29 a month.

Hugo, MetLife, and Sun Coast round out the rest of the top 5 list. That being said, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies take a bunch of variables into consideration when calculating monthly rates. By pulling quotes from a variety of insurance carriers at once, you can be confident you're finding the cheapest rate.

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What Factors Affect Car Insurance Rates for an Audi S4?

There are lots of variables that car insurance companies take into account to determine how much they charge for auto insurance -- and each company uses a different algorithm, so there's not one single carrier that's the most affordable for every S4 driver.

The following sections show a bunch of factors car insurance carriers use to calculate rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$88
2-3 Years$69
4-5 Years$83
6-7 Years$83
8-10 Years$63
11-14 Years$69
15 Years or Older$94

The Audi S4 has been around for a while, so vehicle age may play a big role in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, but as they get older, insurance costs will gradually go lower.

From the table above, you can see the Audi S4 is not quite in line with this trend, as the most expensive models to insure are those that are 15 years old or more, while on average, the cheapest S4s are 8 to 10 years old.

Your Age

Age Average Monthly Premium

How old you are makes a difference in how much auto insurance companies will charge you for insurance. Based on the information in the table above, younger drivers pay more for car insurance than those who have more experience on the road. In this case, drivers under 18 pay over three times as much as those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group being 45-54 for S4 drivers.

Your Gender

Gender Average Monthly Premium
Male$82
Female$66

Men normally pay more for auto insurance than women. This is because women are less likely to get speeding tickets and get into accidents, which lowers the chances of an insurance claim. When it comes to S4 drivers specifically, men pay about 24% more than women monthly for insurance.

Where You Live

State Average Monthly Premium
California$47
Florida$167
Georgia$116
Illinois$49
New York$171
North Carolina$83
Ohio$32
Pennsylvania$47
Texas$53
Virginia$59

You may already know that things like how old you are and what vehicle you drive play a role in your car insurance premiums, but you may not realize that where you live is just as important. Since auto insurance is regulated on a state-by-state basis, rates can change quite a bit from state to state.

For example, the average Audi S4 owner in New York pays around $171 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The table referenced above shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change between states.

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Audi S4 Car Insurance Discounts

Whatever where you live, how old you are, or which car you drive, it's always a good idea to take advantage of as many insurance discounts as possible when shopping around for a new policy.

Even though all auto insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

  • Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
  • Defensive driving discounts for taking a defensive driving class from a certified school or institution
  • Multi-policy discounts for getting both your home and auto policies from the same company
  • Pay-in-full discounts for choosing to pay your entire policy price at once, rather than by monthly payments

There are countless ways to save money on your car insurance if you know where to look. Sometimes the best way to save is just by having a profile that looks good to insurance companies.

Although you may not have control of every factor car insurance carriers consider to calculate rates (like some of the ones mentioned above), there are quite a few that you do have control over. Below are just a few of the variables you can use in your favor in order to save on auto insurance:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$87
Multiple Accidents$101
1 Ticket$122
Multiple Tickets$98

You've almost certainly observed ads from insurance companies posting big discounts for responsible drivers. And you probably wouldn't be surprised that your car insurance premiums will go up if you get into a collision or get a ticket for speeding. But exactly how much will these infractions cost you?

Looking at the table above, you'll notice that accidents will usually cost S4 drivers less than tickets, but both will result in above average rates. Audi S4 drivers with a single accident on their record pay about $87 per month (up $9 from the $78/mo. overall average), while drivers with one ticket will pay an average of $122 a month. Drivers with multiple violations of either kind will end up paying even more.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$120
2,501-5,000 Miles$101
5,001-7,500 Miles$73
7,501-10,000 Miles$65
10,000+ Miles$86

The amount of miles you drive affects your auto insurance prices. Drivers who are on the roads less often have fewer opportunities to get into an accident, so they'll typically get more affordable rates. Based on the table above, you can see that Audi S4 owners who drive between 7,500 and 10,000 miles each year pay an average of $65 per month for insurance, while those who put less than 2,500 miles on their cars pay $120.

But if you don't drive much because you work from home or have a second vehicle, it may be worth considering usage-based or pay-per-mile car insurance. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Audi S4s Compare to Other Vehicles?

If you're thinking about purchasing an Audi S4, you're probably wondering how it compares to other cars. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth considering carefully.

Review the table below to see how the Audi S4 stacks up:

Audi S4 National Average
Liability Insurance$132$81
Full Coverage Insurance$352$169
Base MSRP$49,900$46,296
Average Annual Mileage9,64711,617

As you can see, the Audi S4 is pretty much in line with the average vehicle price here in the U.S. The S4 goes for $49,900, similar to the national average vehicle MSRP of $46,296.

Although the S4 has a pretty average price, auto insurance prices are higher when compared to the rest of the vehicle market. Liability insurance for an Audi S4 is about $51 per month more than average, while full coverage is over $50 more monthly.

However, it is worth noting that the S4 drivers tend to use their cars less than the average American driver, with only 9,647 annual miles for the average owner.

Audi S4 Car Insurance Costs by Model Year

Thus far, you've seen how different factors have an impact on how much the average driver pays to insure an Audi S4. If you're considering buying a new vehicle and the S4 is one you're thinking about, knowing how much your vehicle will likely cost can be helpful as you consider your choices.

2021 Audi S4 Car Insurance

   
Liability Only Avg. Premium$132
Full Coverage Avg. Premium$352
Base MSRP$49,900
Cheapest Insurance CompanyEsurance - $72/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

2021 Audi S4 drivers can expect to pay an average of $132 a month for liability or $352 for full coverage.

With premiums as little as just $72 monthly, Esurance offered the lowest policy we found for the 2021 Audi S4.

If you want to know exactly how much you can expect to pay for your S4, get free quotes in minutes by just entering your ZIP code below.

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2020 Audi S4 Car Insurance

   
Liability Only Avg. Premium$125
Full Coverage Avg. Premium$338
Base MSRP$49,900
Cheapest Insurance CompanyMercury - $51/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

You can expect full coverage for a 2020 S4 to run around $338 a month, while liability only coverage will average about $125 per month.

With prices sometimes as cheap as $51 monthly, Mercury offered the most affordable policy we found.

Want to find the best rates? Enter your ZIP code below to get a variety of personalized quotes for free.

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2019 Audi S4 Car Insurance

   
Liability Only Avg. Premium$55
Full Coverage Avg. Premium$234
Base MSRP$50,200
Cheapest Insurance CompanyHugo - $18/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

It costs around $55 a month for liability or $234 for a full coverage policy for the 2019 Audi S4.

Hugo offered the cheapest policy we found, with rates as low as just $18 per month.

These average rates are a great starting point if you're in the market for a 2019 Audi S4, but there are many things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2018 Audi S4 Car Insurance

   
Liability Only Avg. Premium$79
Full Coverage Avg. Premium$219
Base MSRP$50,900
Cheapest Insurance CompanyClearcover - $21/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

The average cost to insure a 2018 S4 with liability only coverage is $79 monthly, while full coverage runs about $219 per month.

Clearcover has premiums as cheap as $21 a month for the 2018 Audi S4.

What will your insurance premium be? Just enter your ZIP code below to get lots of free customized quotes.

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2016 Audi S4 Car Insurance

   
Liability Only Avg. Premium$101
Full Coverage Avg. Premium$210
Base MSRP$49,200
Cheapest Insurance CompanyMercury - $26/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

On average, drivers who own a 2016 Audi S4 can expect to pay $101 to $210 per month for liability only and full coverage auto insurance, respectively.

Looking for the lowest policy? Mercury offered liability only coverage for as low as $26 monthly.

While these are good estimates of what the average driver might pay to insure a 2016 Audi S4, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Audi S4 Car Insurance

   
Liability Only Avg. Premium$70
Full Coverage Avg. Premium$187
Base MSRP$48,400
Cheapest Insurance CompanyClearcover - $18/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

You can expect full coverage for a 2015 S4 to run around $187 a month, while liability only coverage will average about $70 monthly.

We found Clearcover offered the most affordable policy, with rates as little as $18 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2014 Audi S4 Car Insurance

   
Liability Only Avg. Premium$68
Full Coverage Avg. Premium$228
Base MSRP$48,100
Cheapest Insurance CompanyLiberty Mutual - $34/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

2014 Audi S4 drivers can expect to pay an average of $68 a month for liability or $228 for full coverage.

If you're looking for the most affordable 2014 Audi S4 insurance policy, Liberty Mutual offered the cheapest policy we found, with rates sometimes as low as $34 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2013 Audi S4 Car Insurance

   
Liability Only Avg. Premium$97
Full Coverage Avg. Premium$201
Base MSRP$47,600
Cheapest Insurance CompanySafeAuto - $28/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

It costs around $97 per month for liability or $201 for a full coverage policy for the 2013 S4.

With premiums sometimes as cheap as $28 a month, SafeAuto offered the lowest policy we found for the 2013 Audi S4.

Want something more accurate than nationwide averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing many personalized quotes from the nation's top insurance carriers.

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2012 Audi S4 Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$186
Base MSRP$47,300
Cheapest Insurance CompanyClearcover - $23/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

The average cost to insure a 2012 Audi S4 with liability only coverage is $52 monthly, while full coverage runs about $186 a month.

Clearcover has rates as cheap as $23 per month for the 2012 Audi S4.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2011 Audi S4 Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$189
Base MSRP$47,100
Cheapest Insurance CompanySun Coast - $28/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

On average, drivers who own a 2011 S4 can expect to pay $76 to $189 monthly for liability only and full coverage insurance, respectively.

With premiums as little as just $28 per month, Sun Coast offered the most affordable policy we found.

If you want to find the best prices for auto insurance for a 2011 Audi S4, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2010 Audi S4 Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$250
Base MSRP$45,900
Cheapest Insurance CompanyWorkmens - $21/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

It costs around $71 a month for liability or $250 for a full coverage policy for the 2010 Audi S4.

Looking for the lowest policy? Workmens offered liability only coverage for as low as $21 monthly.

Want to know just how much you'll pay? Enter your ZIP code below to get several customized quotes for free.

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Audi S4 Insurance FAQs

Is an Audi S4 expensive to insure?

The Audi S4 is relatively expensive to insure compared to the average car. Liability insurance runs an average of $78 per month, while full coverage will cost you around $209.

How can I get the best price on car insurance for my Audi S4?

There's only one way to be confident you're getting the cheapest rates -- checking prices regularly and comparing quotes from a range of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from multiple carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.

Does the color of my Audi S4 affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's just a myth. While there are many variables car insurance companies use when they decide how much your policy will be, your car's color is not one of them.

Do I need to have insurance before I buy an Audi S4?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) Audi S4 off the dealership lot. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your auto insurance company know before you buy.

What car insurance discounts can I get for my Audi S4?

There are a variety of different discounts out there when it comes to car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the vehicle you drive, but if your S4 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The only way to know for sure is to get in touch with your insurance carrier and ask about their discounts.

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