2022 Audi S4 Car Insurance Calculator

Observe in real-time how different driver, vehicle, and coverage options impact car insurance rates for a 2022 Audi S4. Adjust rate factors like vehicle trim level, driving violations, and policy coverages to see how insurance cost is affected. Instantly discover if your choice raised or lower rates and learn why.

The average estimated car insurance premium for a 2022 Audi S4 is $2,612 per year, or about $218 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

$2,612

Cost Per Month

$218

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 2022 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.

$2,612
Average Rate
Your Rate
$2,612

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 2022 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 2022 Audi S4 is $2,612.

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.

2022 Audi S4 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2022 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.

2022 Audi S4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,968-$644
2Lexus RC 300$2,370-$242
3Mercedes-Benz AMG CLA35$2,424-$188
4BMW i4$2,438-$174
5Cadillac CT5$2,446-$166
6Audi A3$2,472-$140
7Mercedes-Benz AMG CLA45$2,482-$130
8Mercedes-Benz CLA250$2,494-$118
9Lexus ES 250$2,504-$108
10Lexus IS 300$2,510-$102
11Lexus ES 350$2,518-$94
12Audi S5$2,596-$16
13Audi S4$2,612--
14BMW 530i$2,650$38
15Lexus ES 300h$2,660$48
16Genesis G80$2,674$62
17Mercedes-Benz E350$2,676$64
18BMW 530e$2,702$90
19BMW 540i$2,708$96
20BMW M440i$2,720$108
21Mercedes-Benz E450$2,732$120
22Audi A6$2,804$192
23Jaguar XF$2,812$200
2022 Midsize Luxury Car Average$2,819$207
24Lexus IS 500$2,846$234
25BMW 430i$2,876$264
26Mercedes-Benz CLS450$2,896$284
27Infiniti Q50$3,008$396
28Audi RS 5$3,040$428
29Mercedes-Benz AMG C43$3,060$448
30Audi S6$3,082$470
31Mercedes-Benz AMG C63$3,156$544
32Audi A7$3,252$640
33BMW M550i$3,282$670
34Lexus LC 500h$3,348$736
35Tesla Model S$3,408$796
36Audi S7$3,526$914
37BMW M8$3,656$1,044
38BMW M5$3,696$1,084

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.

2022 S4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2022 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.

2022 Audi S4 Insurance Rates by Trim Level
2022 Audi S4 Trim Level Annual Premium Cost Per Month
Premium$2,524$210
Premium Plus$2,608$217
Prestige$2,700$225

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 2022 Audi S4 for different driver ages.

2022 Audi S4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,178$765
17$8,952$746
18$8,139$678
19$7,361$613
20$5,665$472
21$5,405$450
22$4,858$405
23$3,941$328
24$3,745$312
25$3,040$253
30$2,798$233
35$2,678$223
40$2,612$218
45$2,432$203
50$2,300$192
55$2,146$179
60$2,156$180
65$2,300$192
70$2,462$205
75$2,870$239
80$3,536$295

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.