Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Audi S4? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Audi S4 insurance facts

  • Average full coverage auto insurance premium: $177/month

  • Most affordable companies: GEICO ($152/month) & Progressive ($160/month)

  • S4 car insurance cost vs. average rate: $26 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi S4 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Audi S4 insurer costs by state:

Risk factors affecting Audi S4 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Audi S4 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Audi models, you can get the following car insurance discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Audi Luxury Automobile Brand

Audi is a German automobile manufacturer owned by Volkswagen Group, producing luxury vehicles for the United States market. The target market of Audi is the affluent class of modern urban consumers. All of Audi’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Q5, A3, A6, and the Q7 are their most popular vehicles.

Higher than average S4 repair costs equal higher coverage rates

Audi is a luxury brand in the United States market. Many consumers are attracted to the Audi luxury, comfort, safety, and driver-assist technologies, like Audi’s Pre-Sense Systems. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing an Audi is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Audi’s are going to have higher than average car insurance rates to similar vehicles in its class.

Rapid depreciation for Audi S4’s affecting auto policies

Another factor to consider for Audi’s, is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Audi models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your insurance claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Audi’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering auto insurance rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Audi models. The A3, A6, and Q3 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Audi top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2751
Allied$2849
Allstate$2360
American Family$2153
Amica$2916
Country Financial$2500
Erie$1916
GEICO$1832
Kentucky Farm Bureau$2547
Liberty Mutual$1974
Mercury$2301
Nationwide$1995
Progressive$1889
State Farm$1902
Tennessee Farmers$2294
Texas Farm Bureau$2049
The Hanover$2650
Travelers$2458

Compare all 2021 Audi S4 rates

Average Cost to Insure Per Year

$2126

List Price

$49900

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige with engine options: 3.0L Turbocharged V6 TFSI 3.0L V6 TDI - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2020 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2744
Allstate$2359
American Family$2088
Country Financial$2498
Erie$1903
GEICO$1801
Kentucky Farm Bureau$2519
Liberty Mutual$1956
Mercury$2214
Nationwide$1975
Progressive$1842
State Farm$1857
Tennessee Farmers$2159
Texas Farm Bureau$2034
The Hanover$2643
Travelers$2451

Compare all 2020 Audi S4 rates

Average Cost to Insure Per Year

$2124

List Price

$49900

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige with engine options: 3.0L Turbocharged V6 TFSI 3.0L V6 TDI - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2019 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2734
Allstate$2284
American Family$2045
Country Financial$2359
Erie$1852
GEICO$1749
Kentucky Farm Bureau$2516
Liberty Mutual$1901
Mercury$2228
Nationwide$1946
Progressive$1802
State Farm$1840
Tennessee Farmers$2146
Texas Farm Bureau$1997
The Hanover$2605
Travelers$2316

Compare all 2019 Audi S4 rates

Average Cost to Insure Per Year

$2055

List Price

$50200

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige with engine options: 3.0L Turbocharged V6 TFSI 3.0L V6 TDI - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2018 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2652
Allstate$2237
American Family$2033
Country Financial$2345
Erie$1845
GEICO$1745
Kentucky Farm Bureau$2450
Liberty Mutual$1894
Mercury$2218
Nationwide$1930
Progressive$1788
State Farm$1806
Tennessee Farmers$2142
Texas Farm Bureau$1980
The Hanover$2587
Travelers$2280

Compare all 2018 Audi S4 rates

Average Cost to Insure Per Year

$2135

List Price

$51400

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige with engine options: 3.0L Turbocharged V6 TFSI 3.0L V6 TDI - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2017 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
21st Century $2641
Allstate$2157
American Family$2030
Country Financial$2318
Erie$1835
GEICO$1735
Kentucky Farm Bureau$2438
Liberty Mutual$1856
Mercury$2133
Nationwide$1925
Progressive$1777
State Farm$1792
Tennessee Farmers$2095
Texas Farm Bureau$1974
The Hanover$2560
Travelers$2246

Compare all 2017 Audi S4 rates

Average Cost to Insure Per Year

$1960

List Price

$49900

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige with engine options: 3.0L Turbocharged V6 TFSI 3.0L V6 TDI - with safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2016 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1935
Acuity$ 1935
Allied$ 1883
Allied$ 1883
Country$ 1952
Country$ 1952
Erie$ 1304
Erie$ 1304
Mercury$ 1601
Mercury$ 1601
Nationwide$ 1779
Nationwide$ 1779
Plymouth Rock Insurance$ 1681
Plymouth Rock Insurance$ 1681
Progressive$ 1871
Progressive$ 1871
State Farm$ 1787
State Farm$ 1787
Tennessee Farmers$ 1389
Tennessee Farmers$ 1389
Texas Farm Bureau$ 1219
Texas Farm Bureau$ 1219
USAA$ 1739
USAA$ 1739

Compare all 2016 Audi S4 rates

Average Cost to Insure Per Year

$ 1868

List Price

$ 49200

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige

2015 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1823
Acuity$ 1823
Allied$ 1883
Allied$ 1883
Country$ 1884
Country$ 1884
Erie$ 1219
Erie$ 1219
Mercury$ 1576
Mercury$ 1576
Nationwide$ 1815
Nationwide$ 1815
Plymouth Rock Insurance$ 1625
Plymouth Rock Insurance$ 1625
State Farm$ 1603
State Farm$ 1603
Tennessee Farmers$ 1791
Tennessee Farmers$ 1791
Texas Farm Bureau$ 1187
Texas Farm Bureau$ 1187
USAA$ 1530
USAA$ 1530
Vermont Mutual$ 1887
Vermont Mutual$ 1887

Compare all 2015 Audi S4 rates

Average Cost to Insure Per Year

$ 1763

List Price

$ 48400

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige

2014 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1746
Acuity$ 1746
Erie$ 1221
Erie$ 1221
GEICO$ 1733
GEICO$ 1733
Mercury$ 1552
Mercury$ 1552
Nationwide$ 1802
Nationwide$ 1802
Plymouth Rock Insurance$ 1573
Plymouth Rock Insurance$ 1573
Progressive$ 1765
Progressive$ 1765
State Farm$ 1564
State Farm$ 1564
Tennessee Farmers$ 1732
Tennessee Farmers$ 1732
Texas Farm Bureau$ 1156
Texas Farm Bureau$ 1156
USAA$ 1435
USAA$ 1435
Vermont Mutual$ 1774
Vermont Mutual$ 1774

Compare all 2014 Audi S4 rates

Average Cost to Insure Per Year

$ 1687

List Price

$ 48100

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige

2013 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1645
Acuity$ 1645
Erie$ 1155
Erie$ 1155
GEICO$ 1510
GEICO$ 1510
Mercury$ 1547
Mercury$ 1547
Nationwide$ 1647
Nationwide$ 1647
Plymouth Rock Insurance$ 1515
Plymouth Rock Insurance$ 1515
Progressive$ 1633
Progressive$ 1633
State Farm$ 1409
State Farm$ 1409
Tennessee Farmers$ 1654
Tennessee Farmers$ 1654
Texas Farm Bureau$ 1127
Texas Farm Bureau$ 1127
USAA$ 1343
USAA$ 1343
Vermont Mutual$ 1652
Vermont Mutual$ 1652

Compare all 2013 Audi S4 rates

Average Cost to Insure Per Year

$ 1563

List Price

$ 47600

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige

2012 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1494
Acuity$ 1494
American Family$ 1608
American Family$ 1608
Erie$ 1132
Erie$ 1132
GEICO$ 1369
GEICO$ 1369
Mercury$ 1551
Mercury$ 1551
Plymouth Rock Insurance$ 1467
Plymouth Rock Insurance$ 1467
Progressive$ 1595
Progressive$ 1595
State Farm$ 1437
State Farm$ 1437
Tennessee Farmers$ 1591
Tennessee Farmers$ 1591
Texas Farm Bureau$ 1095
Texas Farm Bureau$ 1095
USAA$ 1299
USAA$ 1299
Vermont Mutual$ 1497
Vermont Mutual$ 1497

Compare all 2012 Audi S4 rates

Average Cost to Insure Per Year

$ 1507

List Price

$ 47300

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige

2011 Audi S4

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1482
American Family$ 1482
Arbella$ 1428
Arbella$ 1428
Erie$ 1081
Erie$ 1081
GEICO$ 1188
GEICO$ 1188
Nationwide$ 1517
Nationwide$ 1517
Plymouth Rock Insurance$ 1439
Plymouth Rock Insurance$ 1439
Progressive$ 1517
Progressive$ 1517
State Farm$ 1383
State Farm$ 1383
Tennessee Farmers$ 1453
Tennessee Farmers$ 1453
Texas Farm Bureau$ 1066
Texas Farm Bureau$ 1066
USAA$ 1251
USAA$ 1251
Vermont Mutual$ 1289
Vermont Mutual$ 1289

Compare all 2011 Audi S4 rates

Average Cost to Insure Per Year

$ 1429

List Price

$ 47100

Trims Available

3.0T quattro Premium Plus - 3.0T quattro Prestige