2023 Audi S4 Car Insurance Calculator

Gain insights into how changing risk factors impact the insurance cost for a 2023 Audi S4. Ajust options like homeowner status, credit history, and policy coverages to see how insurance rates are affected. Know immediately if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2023 Audi S4 is $2,628 per year, or about $219 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

$2,628

Cost Per Month

$219

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 2023 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.

$2,628
Average Rate
Your Rate
$2,628

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 2023 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 2023 Audi S4 is $2,628.

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.

2023 Audi S4 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2023 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.

2023 Audi S4 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$178
2Lexus ES 350$2,460-$168
3Lexus ES 250$2,472-$156
4Lexus RC 300$2,482-$146
5Mercedes-Benz AMG CLA35$2,488-$140
6Audi A3$2,492-$136
7Mercedes-Benz AMG CLA45$2,546-$82
8Mercedes-Benz CLA250$2,554-$74
9Lexus IS 300$2,568-$60
10Jaguar XF$2,578-$50
11Audi S4$2,628--
12BMW i4$2,636$8
13Mercedes-Benz E350$2,654$26
14Lexus ES 300h$2,690$62
15BMW 530i$2,742$114
16Audi A6$2,798$170
17Audi S5$2,802$174
18BMW 540i$2,808$180
19BMW 430i$2,856$228
20Lexus IS 500$2,858$230
21Mercedes-Benz E450$2,886$258
22Genesis G80$2,892$264
2023 Midsize Luxury Car Average$2,899$271
23Mercedes-Benz CLS450$2,968$340
24Mercedes-Benz EQE 350$2,988$360
25Audi RS 5$2,996$368
26BMW 530e$3,014$386
27Audi S6$3,044$416
28Mercedes-Benz AMG C43$3,048$420
29BMW M440i$3,052$424
30Mercedes-Benz EQE 500$3,056$428
31Audi A7$3,176$548
32Infiniti Q50$3,180$552
33Lexus LC 500h$3,414$786
34BMW M550i$3,420$792
35Tesla Model S$3,498$870
36Audi S7$3,520$892
37BMW M5$3,624$996
38BMW M8$3,824$1,196

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.

2023 S4 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Audi S4 Insurance Rates by Trim Level
2023 Audi S4 Trim Level Annual Premium Cost Per Month
Premium$2,542$212
Premium Plus$2,630$219
Prestige$2,712$226

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 2023 Audi S4 for different driver ages.

2023 Audi S4 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,173$764
17$8,945$745
18$8,130$678
19$7,361$613
20$5,671$473
21$5,414$451
22$4,867$406
23$3,963$330
24$3,762$314
25$3,054$255
30$2,812$234
35$2,696$225
40$2,628$219
45$2,446$204
50$2,314$193
55$2,162$180
60$2,170$181
65$2,312$193
70$2,470$206
75$2,878$240
80$3,538$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.