2013 Audi S4 Car Insurance Calculator

Discover how decisions you make impact the insurance cost for a 2013 Audi S4. Customize homeowner status, credit history, policy coverages, and liability limits to learn how each affects rates. Find out instantly if and why the choice you make has an impact on insurance rates.

The average estimated car insurance premium for a 2013 Audi S4 is $1,912 per year, or about $159 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$1,912

Cost Per Month

$159

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Audi S4 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a 2013 Audi S4.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$1,912
Average Rate
Your Rate
$1,912

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

The 'Average Rate' is a combined value for all 2013 Audi S4 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2013 Audi S4 is $1,912.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2013 Audi S4 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2013 Audi S4 against all other models in the midsize luxury car segment. The Audi S4 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Audi S4, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Audi S4.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2013 Audi S4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Audi A3$1,434-$478
2Acura TL$1,458-$454
3Acura ILX$1,492-$420
4Acura TSX$1,532-$380
5Volvo C70$1,558-$354
6Lincoln MKZ$1,578-$334
7Lexus GS 350$1,586-$326
8Lexus ES 350$1,614-$298
9Audi A6$1,618-$294
10Lexus ES 300H$1,640-$272
11Mercedes-Benz SLK55 AMG$1,654-$258
12Mercedes-Benz C350$1,692-$220
13Volvo S80$1,750-$162
14Infiniti G37$1,776-$136
15Audi S5$1,786-$126
16Mercedes-Benz E350$1,800-$112
17BMW 528xi$1,802-$110
18Hyundai Genesis$1,806-$106
19Infiniti M35$1,818-$94
20Jaguar XF$1,822-$90
21Mercedes-Benz E550$1,848-$64
22Mercedes-Benz E400$1,858-$54
23Infiniti M37$1,864-$48
24BMW 535xi$1,886-$26
25BMW 550xi$1,906-$6
26Audi S4$1,912--
27BMW 528i$1,914$2
28BMW Activehybrid 5$1,926$14
29BMW 535i$1,958$46
2013 Midsize Luxury Car Average$1,963$51
30Audi RS 5$1,966$54
31BMW 550i$1,980$68
32Jaguar XK$1,996$84
33Mercedes-Benz SL550$2,010$98
34Audi S6$2,064$152
35BMW 640i$2,126$214
36Mercedes-Benz S400$2,152$240
37Audi S7$2,170$258
38Audi A7$2,194$282
39Tesla Model S$2,266$354
40Jaguar XKR$2,298$386
41Mercedes-Benz S350$2,324$412
42BMW M6$2,334$422
43BMW 650xi$2,370$458
44BMW M5$2,380$468
45Mercedes-Benz SL63 AMG$2,572$660
46Mercedes-Benz CL63 AMG$2,820$908
47Mercedes-Benz SLS AMG$2,920$1,008
48Mercedes-Benz SL65 AMG$3,012$1,100

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2013 S4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2013 Audi S4.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2013 Audi S4 Insurance Rates by Trim Level
2013 Audi S4 Trim Level Annual Premium Cost Per Month
Quattro Premium Plus Sedan$1,872$156
Quattro Prestige Sedan$1,952$163

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2013 Audi S4 for different driver ages.

2013 Audi S4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$6,860$572
17$6,615$551
18$5,872$489
19$5,373$448
20$4,104$342
21$3,916$326
22$3,500$292
23$2,896$241
24$2,728$227
25$2,216$185
30$2,032$169
35$1,966$164
40$1,912$159
45$1,790$149
50$1,700$142
55$1,588$132
60$1,592$133
65$1,690$141
70$1,840$153
75$2,176$181
80$2,678$223

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Audi S4 trim levels.