Audi S4 insurance costs average $99 monthly for minimum coverage and $192 for full coverage. Depending on your particular trim and model year, costs can range from $63 to $342 monthly.
Audi S4 Insurance Cost
Updated: October 3, 2025
Key Takeaways
Audi S4 insurance costs vary dramatically from $63 to $342 monthly depending on your specific model year and trim level.
The S4 ranks 381st out of 827 vehicles for insurance affordability, placing it in the middle range of all models sold nationwide.
The Hartford offers the most affordable Audi S4 coverage at $154 monthly for full coverage and $72 monthly for minimum coverage policies.
How Much Is Audi S4 Insurance?
| Audi S4 | $99 | $192 |
Audi S4 Insurance Cost by Model Year
Your Audi S4's model year and available trim options directly impact insurance costs. Newer models usually cost more to insure because of their higher fair market value. Monthly premiums for S4 coverage span a wide range, starting as affordable as $71 and reaching as high as $291, depending on your vehicle's year.
| 2025 | $131 | $256 |
| 2024 | $127 | $249 |
| 2023 | $107 | $208 |
| 2022 | $92 | $180 |
| 2021 | $83 | $162 |
| 2020 | $74 | $144 |
| 2019 | $110 | $216 |
| 2018 | $112 | $218 |
| 2016 | $108 | $211 |
| 2015 | $103 | $201 |
| 2014 | $98 | $190 |
| 2013 | $84 | $163 |
| 2012 | $78 | $152 |
| 2011 | $77 | $149 |
| 2010 | $76 | $147 |
| 2009 | $75 | $146 |
| 2008 | $71 | $136 |
| 2007 | $77 | $149 |
| 2006 | $79 | $153 |
| 2005 | $115 | $221 |
| 2004 | $106 | $203 |
| 2002 | $91 | $174 |
| 2001 | $83 | $159 |
| 2000 | $148 | $291 |
Audi S4 Insurance Cost by Trim
Your Audi S4's trim affects insurance costs based on its value, features and market appeal. Monthly premiums vary widely across trim levels, ranging from $74 for basic coverage to $268 for comprehensive protection on premium variants.
| Quattro Special Edition Sedan 4d | $74 | $142 |
| 2.7t Sedan 4d | $78 | $150 |
| Quattro Premium Plus Sedan 4d | $78 | $152 |
| Quattro Sedan 4d | $79 | $153 |
| Quattro Cabriolet 2d | $91 | $175 |
| Premium Sedan 4d | $91 | $179 |
| Avant Quattro Wagon 4d | $92 | $177 |
| 2.7t Avant Wagon 4d | $95 | $184 |
| Premium Plus Sedan 4d | $103 | $201 |
| Prestige Sedan 4d | $107 | $208 |
| (2005.5) Quattro Sedan 4d | $115 | $222 |
| Premium | $122 | $238 |
| Premium Plus | $129 | $252 |
| (2005.5) Avant Quattro Wagon 4d | $132 | $254 |
| Prestige | $137 | $268 |
Compare Personalized Audi S4 Insurance Costs
We've organized Audi S4 insurance costs by model year and trim for personalized estimates.
Data filtered by:Results filtered by:
Select
Model Year:2000
Select
Trim:Premium Sedan 4d
| Premium Sedan 4d | $100 | $196 |
Audi S4 Insurance Cost by Company
Audi S4 insurance costs vary by provider from $114 to $231 monthly. Minimum coverage ranges from $72 to $148, while full coverage costs $154 to $329. Rates vary due to different risk assessment models.
| AAA | $111 | $232 |
| AIG | $134 | $329 |
| Allstate | $130 | $251 |
| Amica | $130 | $265 |
| Chubb | $123 | $245 |
| Farmers | $148 | $258 |
| GEICO | $72 | $157 |
| Kemper | $87 | $180 |
| Nationwide | $107 | $185 |
| Progressive | $93 | $174 |
| State Farm | $88 | $183 |
| The Hartford | $90 | $154 |
| Travelers | $84 | $156 |
| UAIC | $142 | $176 |
Audi S4 Insurance Cost by State
Depending on your state, Audi S4 car insurance averages from $41 monthly in Wyoming to $419 monthly in Louisiana.
| Alabama | $89 | $168 |
| Alaska | $73 | $156 |
| Arizona | $115 | $216 |
| Arkansas | $79 | $177 |
| California | $94 | $190 |
| Colorado | $93 | $223 |
| Connecticut | $133 | $229 |
| Delaware | $130 | $219 |
| Florida | $111 | $257 |
| Georgia | $141 | $232 |
| Hawaii | $53 | $119 |
| Idaho | $55 | $111 |
| Illinois | $92 | $174 |
| Indiana | $63 | $123 |
| Iowa | $58 | $139 |
| Kansas | $71 | $166 |
| Kentucky | $119 | $203 |
| Louisiana | $200 | $419 |
| Maine | $54 | $112 |
| Maryland | $149 | $251 |
| Massachusetts | $101 | $215 |
| Michigan | $148 | $287 |
| Minnesota | $85 | $179 |
| Mississippi | $90 | $177 |
| Missouri | $122 | $242 |
| Montana | $76 | $181 |
| Nebraska | $74 | $167 |
| Nevada | $154 | $279 |
| New Hampshire | $71 | $126 |
| New Jersey | $155 | $256 |
| New Mexico | $79 | $176 |
| New York | $111 | $199 |
| North Carolina | $78 | $154 |
| North Dakota | $65 | $142 |
| Ohio | $74 | $145 |
| Oklahoma | $92 | $204 |
| Oregon | $107 | $187 |
| Pennsylvania | $90 | $211 |
| Rhode Island | $122 | $218 |
| South Carolina | $93 | $175 |
| South Dakota | $58 | $182 |
| Tennessee | $76 | $155 |
| Texas | $119 | $243 |
| Utah | $97 | $166 |
| Vermont | $49 | $118 |
| Virginia | $94 | $151 |
| Washington | $86 | $161 |
| West Virginia | $90 | $184 |
| Wisconsin | $64 | $142 |
| Wyoming | $41 | $128 |
Audi S4 Insurance Cost by Driver Profile
Your driving profile, especially your age and driving record, dramatically affects Audi S4 insurance pricing. Monthly rates can reach $368 for young drivers under 25 with clean records and drop to just $145 for adult drivers between 26-64 without violations.
| Adult Drivers | $99 | $192 |
| Young Drivers | $252 | $484 |
| Senior Drivers | $132 | $242 |
| Drivers With a Speeding Ticket | $123 | $241 |
| Drivers With an Accident | $146 | $282 |
| Drivers With a DUI | $184 | $353 |
| Drivers With Bad Credit | $237 | $478 |
Is an Audi S4 Expensive to Insure?
You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, an Audi S4 ranks 381st out of 827, making it one of the more average cars to insure in terms of affordability. Among compact luxury sedans, the model ranks 8th out of 22.
| Jaguar X-Type | $60 | $117 |
| Volvo S40 | $64 | $123 |
| Acura TSX | $76 | $146 |
| Audi A4 | $88 | $171 |
| Audi A3 | $89 | $173 |
| Buick Verano | $93 | $179 |
| Acura ILX | $97 | $188 |
| Audi S4 | $100 | $195 |
| Bmw 4-series | $105 | $204 |
| Cadillac ATS | $105 | $203 |
| Lexus IS | $107 | $208 |
| Genesis G70 | $111 | $217 |
| Audi S5 | $112 | $219 |
| Infiniti Q50 | $115 | $224 |
| Audi RS 5 | $116 | $228 |
| Jaguar XE | $118 | $229 |
| Cadillac CT4 | $122 | $238 |
| Audi RS 3 | $126 | $246 |
| Audi RS 4 | $126 | $245 |
| Bmw M3 | $132 | $257 |
| Cadillac ATS-V | $150 | $291 |
| Cadillac CT4-V | $192 | $374 |
Factors That Affect Audi Car Insurance Costs
Several factors influence what you'll pay for Audi S4 insurance coverage:
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi S4 repair costs average $1,347 annually, making it one of Audi's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The S4's impressive performance capabilities (349 horsepower, 0 to 60 mph in 4.4 seconds) elevate insurance premiums. Premium trim levels featuring advanced driver assistance, Bang & Olufsen sound systems, adaptive suspension, and sport differentials increase replacement values and require specialized technician expertise for repairs.
Fuel Type
All S4 models require premium gasoline and feature a sophisticated twin-scroll turbocharged V6 engine with complex intercooling and direct injection systems.
The high-performance powerplant's advanced engineering demands specialized maintenance protocols and premium fluids, factors that insurance companies incorporate when assessing mechanical breakdown risks and repair costs.
Location
S4 owners concentrate in affluent suburban and urban areas where luxury performance vehicles are common but face elevated theft risks and collision exposure.
The model's understated yet premium appeal attracts attention from potential thieves familiar with Audi's performance variants, while urban driving conditions with frequent acceleration/deceleration cycles stress performance components.
Driver Profile
Most S4 drivers are established professionals (40 to 55) with median household incomes around $120,000 to $150,000. This demographic represents mature buyers seeking performance with practicality.
Driver demographics affect S4 rates:
• Age (40 to 55 median): Mature professional buyers generally receive better rates due to established driving experience and financial stability
• Gender (70% male): Strong male preference typical of performance sedans, though mature buyer age helps offset some gender-based risk factors
• Income ($120,000+ median): High income indicates financial responsibility, though discretionary performance vehicle purchases may suggest risk-taking tendencies
Cheapest Audi S4 Insurance Companies
S4 drivers can find the most affordable full coverage car insurance through The Hartford at $154 monthly. For basic minimum coverage, GEICO offers the cheapest option at $72 per month.
| GEICO | $72 | $157 |
| Travelers | $84 | $156 |
| The Hartford | $90 | $154 |
| Kemper | $87 | $180 |
| Progressive | $93 | $174 |
Cheapest Audi S4 Insurance by State
Based on our research, these are the three most affordable car insurance providers for your Audi S4:
- Auto-Owners: Most affordable in 11 states
- GEICO: Most affordable in six states
- Travelers: Most affordable in six states
You can filter below to see which provider offers the best rates for your Audi S4 in your area.
Data filtered by:Results filtered by:
Select
State:Alabama
| Alabama | Country Financial | $70 |
How to Get the Best Cheap Audi S4 Insurance
Below we explore the top car insurance discounts available for your Audi S4:
- 1
Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Audi's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2
Research costs and cheap companies
Researching average auto insurance costs for your Audi S4 will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.
- 3
Look for more than just low rates
To get the most balanced car insurance for your Audi S4, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4
Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Audi S4 owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Audi buyers typically have a median household income of over $100,000, with affluent buyers often supporting multiple vehicles. This substantial income level typically means owning more than one car, qualifying S4 owners for multi-vehicle discounts from virtually all insurers.
- Bundling/Multi-Policy Discount (5% to 25% savings): With approximately 19% of convertible Audi buyers having household incomes exceeding $175,000 and around 11.7% owning homes valued at more than $1 million, S4 owners can bundle auto and home insurance for substantial savings from major carriers. Their high-income status makes homeownership and multiple policies the norm.
- Good Driver/Safe Driver Discount (5% to 30% savings): The average age of Audi car buyers is 51 years old, with 75% being college-educated professionals — a mature, experienced demographic that typically maintains clean driving records. This professional profile helps S4 owners qualify for good driver discounts across most insurance companies.
- Safety Features/Advanced Safety Discount (5% to 40% savings): IIHS gave the A4 platform (which the S4 shares) good ratings in crash tests, and its built-in features, like automatic emergency braking and advanced safety technology, help you avoid crashes. Many insurance companies will reduce your bill for this comprehensive safety equipment.
- Professional/Occupation Discount (5% to 15% savings): With 75% being college-educated professionals and many working in high-level positions like corporate attorneys and IT professionals, S4 owners often qualify for professional discounts. Engineers, teachers, medical professionals, and other white-collar occupations frequently receive reduced rates due to their statistical safety profiles.
- 5
Consider alternative car insurance types
Audi S4 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6
Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi S4 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi S4 Insurance Cost: Bottom Line
Insuring an Audi S4 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi S4 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi S4.
What is the average cost of car insurance for an Audi S4?
The Audi S4's average annual insurance cost is $1,186 for state minimum and $2,305 for full coverage.
What company has the cheapest car insurance for an Audi S4?
S4 drivers can find the most affordable full coverage car insurance through The Hartford at $154 monthly. For basic minimum coverage, GEICO offers the cheapest option at $72 per month.
Are Audi S4s expensive to insure?
The Audi S4 falls in the middle range for insurance costs. Out of 827 vehicles we track, the S4 ranks 381st for affordability, making it about average. This model sits in eighth place out of 22 among compact luxury sedans.
What factors affect insurance costs for Audi S4s?
Several factors drive up your Audi S4 rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live also affects rates. Areas with more theft or fewer Audi-certified repair shops increase insurance rates.
How can I lower Audi S4 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi S4 Insurance Costs
We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Audi S4 insurance costs.
Who We Based These Rates On
These Audi S4 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.