Why Audi S4 Insurance Costs So Much and What You Can Do

We compared average rate quotes from the cheapest Premium trim up to the Prestige model to discover how insurance rates for the S4 rank when compared to competing midsize luxury cars.

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  • Audi S4 car insurance costs an average of $2,692 per year or around $224 per month, but can vary significantly based on the trim level.
  • The cheapest Audi S4 insurance is on the Premium trim level at an estimated $2,618 per year.
  • The S4 Prestige is the most expensive to insure at $2,774 per year.
  • As one of the cheaper midsize luxury cars to insure, the Audi S4 costs $182 less per year on average to insure when compared to the other 2024 midsize luxury cars.

How much does Audi S4 insurance cost?

Audi S4 car insurance rates average $2,692 a year for full coverage, or $224 if paid each month. Expect to pay around $182 less each year for Audi S4 insurance compared to the midsize luxury cars average rate, and $471 more per year than the all-vehicle national average of $2,221.

The rate chart below shows average auto insurance cost for a 2024 Audi S4 using variations of risk profiles and driver ages.

Average 2024 Audi S4 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Audi S4 insurance premiums for different driver ages and risk scenarios. Rates updated on June 27, 2025.

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Data Methodology: Average rates are for a 2024 model year Audi S4 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Audi S4 trim levels.

2024 Audi S4 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,162$514
Safe Driver Age 20$5,404$450
At-fault Accidents Age 40$3,780$315
Low Deductibles Age 40$3,610$301
Safe Driver Age 30$2,886$241
Safe Driver Age 40$2,692$224
Safe Driver Age 50$2,374$198
Discount Rate Age 40$2,238$187
Safe Driver Age 60$2,222$185
High Deductibles Age 40$2,222$185

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Audi S4 trim levels. Updated June 27, 2025

The table below illustrates average Audi S4 car insurance rates for the 2013 to 2024 model years and for different driver ages. Annual average insurance prices range from $1,912 to $2,692, depending on the model year, for a 40-year-old driver.

Audi S4 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Audi S4$5,404$2,692$2,222
2023 Audi S4$5,280$2,628$2,170
2022 Audi S4$5,274$2,612$2,156
2021 Audi S4$5,330$2,630$2,176
2020 Audi S4$5,162$2,550$2,108
2019 Audi S4$4,838$2,390$1,978
2018 Audi S4$4,484$2,224$1,840
2016 Audi S4$4,112$2,064$1,712
2015 Audi S4$3,868$1,928$1,600
2014 Audi S4$4,162$2,066$1,720
2013 Audi S4$3,834$1,912$1,592

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 Audi S4 trim levels for each model year. Updated June 26, 2025

Average insurance rates for 2013 to 2024 Audi S4 models for drivers age 20, 40 and 60
Average insurance rates for 2013 to 2024 Audi S4 models for drivers age 20, 40 and 60

The rate table below details the estimated annual and semi-annual policy costs, including a monthly budget figure, for each Audi S4 model trim level.

2024 Audi S4 Insurance Rates by Trim Level
2024 Audi S4 Trim Level Annual Premium Cost Per Month
Premium$2,618$218
Premium Plus$2,690$224
Prestige$2,774$231

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. Updated June 26, 2025

Insurance cost by trim level for a 2024 Audi S4 ranging from the Premium model at $2,618 per year to the Prestige model at $2,774
Insurance cost by trim level for a 2024 Audi S4 ranging from the Premium model at $2,618 per year to the Prestige model at $2,774

Are Audi S4 insurance rates cheap?

When compared directly to random models in the midsize luxury car segment, car insurance prices for an Audi S4 cost $246 more per year than the Lexus ES 350, $156 less than the BMW 530i, and $42 more than the Infiniti Q50.

The Audi S4 ranks 13th out of 34 total comparison vehicles in the midsize luxury car class for most affordable insurance cost. The S4 costs an average of $2,692 per year to insure, while the class average cost is $2,874 per year, a difference of $182 per year.

The chart displayed below shows how well the S4 fares against the top 10 best-selling midsize luxury cars like the Mercedes-Benz CLA250, Audi A6, and the BMW 530i. A rate table with more models is included after the chart that illustrates insurance policy costs for all 34 models in the 2024 midsize luxury car class.

Average 2024 Audi S4 car insurance premium compared to other midsize luxury car models.
Figure 2: Average 2024 Audi S4 car insurance premium compared to other midsize luxury car models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Audi S4. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Audi S4 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Audi S4 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$282
2Lexus IS 300$2,414-$278
3Lexus ES 350$2,446-$246
4Mercedes-Benz AMG CLA35$2,456-$236
5Lexus RC 300$2,462-$230
6Jaguar XF$2,476-$216
7Cadillac CT5$2,526-$166
8Lexus ES 250$2,534-$158
9Lexus ES 300h$2,572-$120
10Audi A3$2,634-$58
11Infiniti Q50$2,650-$42
12Mercedes-Benz AMG CLA45$2,682-$10
13Audi S4$2,692--
14Mercedes-Benz EQE 350$2,724$32
15BMW i4$2,734$42
16Lexus IS 500$2,770$78
17BMW 530i$2,848$156
18Audi S5$2,890$198
19BMW 540i$2,900$208
20BMW 430i$2,940$248
21BMW i5$2,960$268
22Genesis G80$2,976$284
23Mercedes-Benz EQE 500$3,008$316
24Mercedes-Benz AMG C43$3,024$332
25Audi A6$3,036$344
26Tesla Model S$3,070$378
27BMW 530e$3,100$408
28Audi RS 5$3,106$414
29Audi S6$3,128$436
30BMW M440i$3,206$514
31Audi A7$3,268$576
32Lexus LC 500h$3,508$816
33Audi S7$3,624$932
34BMW M8$3,948$1,256

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 vehicle from the 2024 model year. Updated June 26, 2025

Supplementary S4 insurance rates and insights

Other noteworthy insights about S4 insurance rates include:

  • Safer drivers pay lower rates. Having at-fault accidents will cost you more, potentially by an extra $3,800 per year for a 20-year-old driver and even $612 per year for a 60-year-old driver.
  • Car insurance is cheaper with higher deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $470 per year for a 40-year-old driver and $920 per year for a 20-year-old driver.
  • The lower the deductibles, the higher the cost. Decreasing your policy deductibles from $500 to $250 could cost an additional $492 per year for a 40-year-old driver and $976 per year for a 20-year-old driver.
  • Your employment could save you money. The vast majority of auto insurance companies offer discounts for certain occupations like accountants, lawyers, high school and elementary teachers, nurses, scientists, college professors, and others. By working in a profession that qualifies for this discount, you could save between $81 and $228 on your annual insurance cost, depending on the coverage levels.
  • Policy discounts equal cheaper S4 insurance rates. Discounts may be available if the policyholders insure their home and car with the same company, insure multiple vehicles on the same policy, are good students, take a defensive driving course, or many other discounts which could save the average driver as much as $454 per year on the cost of insuring an Audi S4.
  • S4 insurance is expensive for high-risk drivers. For a 40-year-old driver, being required to buy a high-risk insurance policy could end up with a rate increase of $3,220 or more per year.