- Audi S4 car insurance costs an average of $2,030 per year or around $169 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 $1,964 per year.
- The S4 Prestige is the most expensive to insure at $2,096 per year.
- As one of the cheaper midsize luxury cars to insure, the Audi S4 costs $212 less per year on average to insure when compared to the other 2023 midsize luxury cars.
How much does Audi S4 insurance cost?
Audi S4 car insurance rates average $2,030 a year for full coverage, or $169 if paid each month. Expect to pay around $212 less each year for Audi S4 insurance compared to the midsize luxury cars average rate, and $345 more per year than the all-vehicle national average of $1,685.
The rate chart below shows average auto insurance cost for a 2023 Audi S4 using variations of risk profiles and driver ages.
The table below illustrates average Audi S4 car insurance rates for the 2013 to 2023 model years and for different driver ages. Annual average insurance prices range from $1,566 to $2,030, depending on the model year, for a 40-year-old driver.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Audi S4 | $4,040 | $2,030 | $1,816 |
| 2022 Audi S4 | $4,020 | $2,014 | $1,802 |
| 2021 Audi S4 | $4,058 | $2,032 | $1,814 |
| 2020 Audi S4 | $4,004 | $2,002 | $1,788 |
| 2019 Audi S4 | $3,768 | $1,886 | $1,686 |
| 2018 Audi S4 | $3,566 | $1,784 | $1,600 |
| 2016 Audi S4 | $3,364 | $1,696 | $1,518 |
| 2015 Audi S4 | $3,148 | $1,586 | $1,420 |
| 2014 Audi S4 | $3,416 | $1,712 | $1,532 |
| 2013 Audi S4 | $3,110 | $1,566 | $1,398 |
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.
| Audi S4 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Premium | $1,964 | $982 | $164 |
| Premium Plus | $2,034 | $1,017 | $170 |
| Prestige | $2,096 | $1,048 | $175 |
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 $128 more per year than the Lexus ES 350, $92 less than the BMW 530i, and $428 less than the Infiniti Q50.
The Audi S4 ranks 11th out of 38 total comparison vehicles in the midsize luxury car class for most affordable insurance cost. The S4 costs an average of $2,030 per year to insure, while the class average cost is $2,242 per year, a difference of $212 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 38 models in the 2023 midsize luxury car class.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Cadillac CT5 | $1,898 | -$132 |
| 2 | Lexus ES 350 | $1,902 | -$128 |
| 3 | Lexus ES 250 | $1,914 | -$116 |
| 4 | Lexus RC 300 | $1,920 | -$110 |
| 5 | Mercedes-Benz AMG CLA35 | $1,924 | -$106 |
| 6 | Audi A3 | $1,928 | -$102 |
| 7 | Mercedes-Benz AMG CLA45 | $1,968 | -$62 |
| 8 | Mercedes-Benz CLA250 | $1,978 | -$52 |
| 9 | Lexus IS 300 | $1,986 | -$44 |
| 10 | Jaguar XF | $1,988 | -$42 |
| 11 | Audi S4 | $2,030 | -- |
| 12 | BMW i4 | $2,040 | $10 |
| 13 | Mercedes-Benz E350 | $2,054 | $24 |
| 14 | Lexus ES 300h | $2,082 | $52 |
| 15 | BMW 530i | $2,122 | $92 |
| 16 | Audi A6 | $2,164 | $134 |
| 17 | Audi S5 | $2,166 | $136 |
| 18 | BMW 540i | $2,170 | $140 |
| 19 | BMW 430i | $2,206 | $176 |
| 20 | Lexus IS 500 | $2,212 | $182 |
| 21 | Mercedes-Benz E450 | $2,232 | $202 |
| 22 | Genesis G80 | $2,238 | $208 |
| 23 | Mercedes-Benz CLS450 | $2,296 | $266 |
| 24 | Mercedes-Benz EQE 350 | $2,312 | $282 |
| 25 | Audi RS 5 | $2,318 | $288 |
| 26 | BMW 530e | $2,330 | $300 |
| 27 | Audi S6 | $2,354 | $324 |
| 28 | Mercedes-Benz AMG C43 | $2,358 | $328 |
| 29 | BMW M440i | $2,362 | $332 |
| 30 | Mercedes-Benz EQE 500 | $2,364 | $334 |
| 31 | Audi A7 | $2,456 | $426 |
| 32 | Infiniti Q50 | $2,458 | $428 |
| 33 | Lexus LC 500h | $2,640 | $610 |
| 34 | BMW M550i | $2,644 | $614 |
| 35 | Tesla Model S | $2,704 | $674 |
| 36 | Audi S7 | $2,720 | $690 |
| 37 | BMW M5 | $2,800 | $770 |
| 38 | BMW M8 | $2,954 | $924 |
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 $2,822 per year for a 20-year-old driver and even $594 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 $350 per year for a 40-year-old driver and $690 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 $366 per year for a 40-year-old driver and $724 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 $61 and $178 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 $342 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 $2,416 or more per year.
