2018 Audi S4 Car Insurance Calculator

Find out how choices you make impact car insurance rates for a 2018 Audi S4. Fine-tune factors like coverage amounts, annual mileage, vehicle usage, and driver gender. Get instant feedback if the choices you make result in a cheaper or more expensive rate.

The average estimated car insurance premium for a 2018 Audi S4 is $2,224 per year, or about $185 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

$2,224

Cost Per Month

$185

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 2018 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.

$2,224
Average Rate
Your Rate
$2,224

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 2018 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 2018 Audi S4 is $2,224.

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.

2018 Audi S4 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2018 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.

2018 Audi S4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,756-$468
2Lexus IS 300$1,908-$316
3Lexus RC 300$1,992-$232
4Mercedes-Benz SLC300$2,058-$166
5Lexus ES 350$2,062-$162
6Mercedes-Benz AMG CLA45$2,076-$148
7Audi S5$2,114-$110
8Audi A3$2,126-$98
9Mercedes-Benz CLA250$2,136-$88
10Mercedes-Benz C350E$2,146-$78
11Lincoln MKZ$2,158-$66
12Mercedes-Benz E300$2,162-$62
13Lexus ES 300H$2,170-$54
14Genesis G80$2,174-$50
15BMW 430i$2,190-$34
16Audi A6$2,212-$12
17Audi S4$2,224--
18Lexus GS 300$2,260$36
19Jaguar XE$2,262$38
20Lexus GS 350$2,282$58
21BMW 530i$2,288$64
22BMW 540xi$2,298$74
23BMW 540i$2,304$80
24BMW 440i$2,334$110
25Jaguar XF$2,354$130
26Mercedes-Benz AMG C43$2,410$186
27Mercedes-Benz SL450$2,430$206
28Mercedes-Benz E400$2,442$218
29Infiniti Q50$2,450$226
2018 Midsize Luxury Car Average$2,459$235
30BMW 530e$2,460$236
31Audi RS 5$2,490$266
32Mercedes-Benz AMG E43$2,500$276
33BMW 530xi$2,504$280
34BMW M550i$2,582$358
35Mercedes-Benz AMG C63$2,634$410
36BMW 640xi$2,642$418
37Audi S6$2,662$438
38BMW 640i$2,712$488
39Mercedes-Benz SL550$2,762$538
40Lexus GS F$2,772$548
41Tesla Model S$2,810$586
42Lexus LC 500H$2,834$610
43Audi A7$2,844$620
44BMW 650xi$2,848$624
45Audi S7$3,022$798
46BMW M5$3,034$810
47BMW M6$3,228$1,004
48Mercedes-Benz SL63 AMG$3,280$1,056
49Mercedes-Benz SL65 AMG$4,084$1,860

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.

2018 S4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2018 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.

2018 Audi S4 Insurance Rates by Trim Level
2018 Audi S4 Trim Level Annual Premium Cost Per Month
3.0T Quattro Premium Plus Sedan$2,224$185
3.0T Quattro Prestige Sedan$2,224$185

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 2018 Audi S4 for different driver ages.

2018 Audi S4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$7,864$655
17$7,647$637
18$6,908$576
19$6,268$522
20$4,812$401
21$4,593$383
22$4,120$343
23$3,364$280
24$3,185$265
25$2,586$216
30$2,376$198
35$2,282$190
40$2,224$185
45$2,076$173
50$1,966$164
55$1,836$153
60$1,840$153
65$1,964$164
70$2,110$176
75$2,470$206
80$3,040$253

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.