2016 Audi S4 Car Insurance Calculator

Gain insights into how changing risk factors impact the cost of insurance for a 2016 Audi S4. Experiment with rate factors like gender of the driver, whether you're married or single, and the state and city you live in to see how insurance rates are affected. Instantly discover if the change results in higher or lower rates.

The average estimated car insurance premium for a 2016 Audi S4 is $2,064 per year, or about $172 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

$2,064

Cost Per Month

$172

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 2016 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.

$2,064
Average Rate
Your Rate
$2,064

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 2016 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 2016 Audi S4 is $2,064.

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.

2016 Audi S4 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2016 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.

2016 Audi S4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Lexus ES 350$1,618-$446
2Acura ILX$1,686-$378
3Lexus IS 300$1,792-$272
4Volvo S80$1,834-$230
5Mercedes-Benz C350E$1,842-$222
6Lexus RC 300$1,856-$208
7Audi A3$1,888-$176
8Mercedes-Benz AMG CLA45$1,910-$154
9Lincoln MKZ$1,914-$150
10Lexus ES 300H$1,924-$140
11Audi A6$1,936-$128
12Mercedes-Benz CLA250$1,982-$82
13BMW 528i$2,020-$44
14Lexus GS 350$2,036-$28
15Mercedes-Benz E350$2,062-$2
16Audi S4$2,064--
17Mercedes-Benz SLK55 AMG$2,068$4
18BMW 428xi$2,072$8
19Jaguar XF$2,084$20
20Cadillac ELR$2,090$26
21Mercedes-Benz C450 AMG$2,100$36
22BMW 428i$2,106$42
23Audi S5$2,116$52
24Hyundai Genesis$2,130$66
25BMW 528xi$2,138$74
26Infiniti Q50$2,144$80
27BMW 535xi$2,150$86
28BMW 435xi$2,174$110
29Mercedes-Benz E250$2,192$128
30Mercedes-Benz SL400$2,210$146
31BMW Active 5$2,218$154
32BMW 435i$2,224$160
2016 Midsize Luxury Car Average$2,227$163
33BMW 535d$2,250$186
34Mercedes-Benz E400$2,300$236
35BMW 535i$2,308$244
36Mercedes-Benz E550$2,320$256
37Audi S6$2,358$294
38BMW 550i$2,362$298
39Mercedes-Benz CLS400$2,436$372
40BMW 550xi$2,452$388
41Mercedes-Benz SL550$2,456$392
42BMW 640i$2,490$426
43Audi A7$2,504$440
44BMW 640xi$2,510$446
45BMW M5$2,518$454
46Audi S7$2,522$458
47Tesla Model S$2,590$526
48Mercedes-Benz S550E$2,594$530
49BMW 650xi$2,610$546
50Lexus GS F$2,622$558
51BMW M6$2,796$732
52Mercedes-Benz SL63 AMG$2,876$812
53Mercedes-Benz SL65 AMG$3,584$1,520

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.

2016 S4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2016 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.

2016 Audi S4 Insurance Rates by Trim Level
2016 Audi S4 Trim Level Annual Premium Cost Per Month
3.0T Quattro Premium Plus S-Line Sedan$2,002$167
3.0T Quattro Prestige S-Line Sedan$2,130$178

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 2016 Audi S4 for different driver ages.

2016 Audi S4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,204$600
17$6,991$583
18$6,290$524
19$5,730$478
20$4,410$368
21$4,210$351
22$3,781$315
23$3,112$259
24$2,943$245
25$2,394$200
30$2,204$184
35$2,122$177
40$2,064$172
45$1,930$161
50$1,830$153
55$1,708$142
60$1,712$143
65$1,818$152
70$1,952$163
75$2,284$190
80$2,796$233

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.