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

• Audi S4 car insurance costs an average of $2,760 per year or around $230 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 $2,682 per year.
• The S4 Prestige is the most expensive to insure at $2,842 per year.
• As one of the cheaper midsize luxury cars to insure, the Audi S4 costs $184 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 $2,760 a year for full coverage, or $230 if paid each month. Expect to pay around $184 less each year for Audi S4 insurance compared to the midsize luxury cars average rate, and $484 more per year than the all-vehicle national average of $2,276.

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

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 $1,956 to $2,760, depending on the model year, for a 40-year-old driver.

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.

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 $254 more per year than the Lexus ES 350, $156 less than the BMW 530i, and $44 more than the Infiniti Q50.

The Audi S4 ranks 13^th out of 34 total comparison vehicles in the midsize luxury car class for most affordable insurance cost. The S4 costs an average of $2,760 per year to insure, while the class average cost is $2,944 per year, a difference of $184 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.

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 $3,894 per year for a 20-year-old driver and even $626 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 $482 per year for a 40-year-old driver and $942 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 $504 per year for a 40-year-old driver and $1,000 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 $83 and $233 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 $466 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 $3,298 or more per year.