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Key Takeaways
- Higher-than-average insurance costs – The Audi S4 costs $800 more than the average luxury sedan to insure.
- Texas Farm Bureau offers the cheapest rates, while Nationwide and Vermont Mutual tend to be the most expensive.
- Strong safety features but recall history – The 2023 Audi S4 has had no recalls, but previous models had minor issues.
Audi S4 Auto Insurance Cost
The cost of Audi S4 insurance depends on several factors, such as age, credit, coverage type, and driving experience. A 40-year-old driver with a good record typically pays around $3,700 per year, which is about $800 higher than the national average for luxury sedans.
There are numerous Audi S4 insurance providers, and costs vary accordingly. It's essential to compare top providers and premiums to find the best coverage for your needs.
Is Audi S4 Expensive to Insure?
Yes, the Audi S4 is more expensive to insure compared to other luxury sedans. As mentioned earlier, its insurance cost is higher than the national average. However, maintaining good credit and a clean driving record can significantly reduce your insurance rates.
What Impacts the Cost of Audi S4 Car Insurance?
Several factors impact the cost of Audi S4 auto insurance cost. The given is some of the factors that can significantly impact the premium rates you’ll pay for coverage.
- The driver’s gender
- The city you are in
- The age of the car
- Trim level of the car
- The insurance company you choose
Cheapest Insurance Companies Based on Audi S4 Model Years
2014 Audi S4
Texas Farm Bureau offers the cheapest insurance. Erie and USAA also provide competitive rates, while Nationwide is the most expensive.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $1,156 |
| Erie | $1,221 |
| USAA | $1,435 |
| Mercury | $1,552 |
| State Farm | $1,564 |
| Plymouth Rock Insurance | $1,573 |
| Tennessee Farmers | $1,732 |
| Acuity | $1,746 |
| Progressive | $1,765 |
| Vermont Mutual | $1,774 |
| Nationwide | $1,802 |
2015 Audi S4
Similar to 2014, Texas Farm Bureau remains the cheapest option, while Vermont Mutual has the highest rate at $1,887.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $1,187 |
| Erie | $1,219 |
| USAA | $1,530 |
| Mercury | $1,576 |
| State Farm | $1,603 |
| Plymouth Rock Insurance | $1,625 |
| Tennessee Farmers | $1,791 |
| Nationwide | $1,815 |
| Acuity | $1,823 |
| Allied | $1,883 |
| Country | $1,884 |
| Vermont Mutual | $1,887 |
2016 Audi S4
Texas Farm Bureau remains the most affordable provider for 2016 Audi S4 insurance.
| Cheapest Insurance Companies | Average Annual Cost |
|---|---|
| Texas Farm Bureau | $1,219 |
| Erie | $1,304 |
| Tennessee Farmers | $1,389 |
| Mercury | $1,601 |
| Plymouth Rock Insurance | $1,681 |
| USAA | $1,739 |
| Nationwide | $1,779 |
| State Farm | $1,787 |
| Progressive | $1,871 |
| Allied | $1,883 |
| Acuity | $1,935 |
| Country | $1,952 |
Audi S4 Safety Features
The Audi S4 comes with a range of safety features, which can help reduce the insurance rates when you apply.
Some of the installed features include:
- Audi Pre Sense Safety Suite
- Automatic Emergency Braking (AEB)
- Lane Departure Warning (LDW)
- Forward Collision Alert (FCA)
- Lane Keeping Assistance (LKA)
- Adaptive Speed Assist (ASA)
- Side Assist with Blind Spot Monitoring (BSM)
- Rear Cross Traffic Alert
- Traffic Jam Assist
- Reinforced Safety Cage Design
- Multiple Airbags
- Seat Belt Pre-Tensioners
- Child Safety Seat Anchors (ISOFIX System)
- 360-Degree Camera System (on higher trims)
- Traffic Sign Detection
- Front and Rear Parking Sensors
Audi S4 Safety Ratings
The 2023 Audi S4 hasn't faced any recalls so far. However, the 2022 model had one due to a faulty rearview camera display. The 2021 version also had recalls for seat belt retractor issues and weak lock nuts on the rear axle.
If anything unexpected happens, Audi covers the S4 with a limited and powertrain warranty for four years or 50,000 miles, whichever comes first. So, Audi S4 receives a potentially good rating.
Ways to Save on Audi S4 Car Insurance
- Maintain a clean driving record: Rash and careless driving often stays on your records. Insurance companies will charge you higher premiums if you have a history of at-fault or DUI accidents.
- Maintain good credit score: Applicants with excellent credit scores can save much more annually compared to those with lower credit scores.
- Follow Traffic Rules: Traffic violations can considerably increase your Audi S4 insurance premiums.
- Ask for relevant discounts: Ask for common Audi S4 discounts, such as multi-policy discounts, annual payment discounts, and defensive driving discounts to reduce your annual premiums as much as possible.
- Bundle insurance policies: You can save even more by bundling your auto and home insurance policies.
How Do I Find the Best Audi S4 Car Insurance Rates?
- Always research the market and insurance trends before purchasing car insurance for your Audi S4. It could be tempting to choose a provider that offers a low rate. However, it’s always better to apply for multiple free insurance quotes from as many companies as you can. You can either apply individually or use an insurance platform like Way.com.
- Compare, compare, compare – that should be your mantra when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
- In only a few minutes, an insurance aggregator like Way.com can help you find the lowest insurance rates you've qualified for with your financial position.
- The cheapest rates don’t always mean the best! You can always consider spending a bit more to get comprehensive coverage.
How to Get Audi S4 Auto Insurance with Way
Simply download the Way App or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 150 different insurance providers on our platform, which lets you choose the best policy for your Audi S4—all in as little as 60 seconds!
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
DATA SOURCES
Way.com’s Insurance Broker Quote Data
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