The Audi S4 stands out for being subtle. It’s a great choice if you want a powerful car that’s not so wild in its appearance. In this guide, you’ll learn everything you need to know about insuring an Audi S4.
What insurance group does the Audi S4 fall under?
All cars are awarded a specific insurance group that ranges from 1 (cheapest to insure) to 50 (most expensive) and this helps determine the cost of your premium. Audi S4 models appear in insurance groups ranging from 36 to 39, meaning that this car will cost a lot more than the average vehicle to insure.
The costs will vary depending on what Audi S4 model you choose, and what insurance group it appears in. As an example, a 30-year-old driver in an average postcode could pay around £1,838 for cover on an Audi S4 TFSI Quattro Saloon 4d S Tronic that is in insurance group 36 or around £1,571 for an Audi S4 Quattro Saloon Black Edition 4d S Tronic that is in insurance group 39. This comparison will help you see the impact of premium pricing when one car is in a higher insurance group.
These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused).
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Of all the factors that affect the cost of your car insurance premiums, your address is one of the most significant.
To illustrate the impact that your postcode can have, we have pulled some average quotes for a 30-year-old living in three different locations. The quotes are for an Audi S4 1.1 Black 5d.
Expensive: £12,373 (London SE1)
Average: £1,838 (Newcastle NE1)
Cheap: £1,610.07(Galashiels TD1)
These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused).
Along with insurance group, there are more key factors that impact your insurance premium. Here are ones you need to be the most aware of:
Engine type and capacity. In general, the bigger the engine, the higher the cost of your insurance. However, in this scenario, Audi S4 vehicles all carry a 3.0-litre engine, so engine size won’t be a factor.
Driver location. Your location is used to help insurers determine the likelihood of your car being stolen or involved in an accident. This will affect the size of the premium offered to you. For example, a 30-year-old in central London may pay £3,673 for insurance for an Audi S4 Quattro Saloon 4d S Tronic, while the same 30-year-old in Newcastle may only pay £1,571. This difference is because motorists in London are statistically more likely to make a claim on their car insurance than those based in Newcastle.
Driver age. The youngest drivers represent the biggest risk to insurers because they are statistically the most likely to make a claim. This is why they pay so much more than older motorists. Here is an example. The average 20-year-old driver in London may pay £28,609 for the Audi S4 Quattro Avant 5d S Tronic, while the average 40-year-old Londoner will only pay £3,088. As you can see, the 20-year-old would have to pay almost double to insure this vehicle. This is often the case with other vehicles too.
Other factors that influence the cost of your insurance include the following:
Your marital status
Your credit history and job
Your car’s safety rating score
The model of your car
The age of your car
Your car’s security and any extra anti-theft precautions
Car insurance is a necessary legal requirement, but there’s no need for you to break your budget paying for it. There are tricks you can try to lower the cost, and we’ve listed them below.
Reduce your annual mileage. Are there journeys you could occasionally take by foot or public transport? If so, it could pay to do so. By reducing your annual mileage, you’re likely to save on your premiums as you’ll be deemed a lower risk of making a claim.
Pay annually, rather than monthly for your premiums. Pay for your insurance in one lump sum, so you can avoid being charged interest on monthly repayments.
Install extra safety precautions. By adding extra safety measures, you’re quite likely to lower your premium, as you’ll be deemed a lower risk of making a claim.
Shop around for the best deal. Don’t blindly accept the renewal quote offered by your existing provider. You’ll nearly always find a cheaper deal by shopping around and switching to a different provider.
Frequently asked questions
Depending on the model version, you can expect Audi S4s to reach top speeds of 155.3mph.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
These vehicles are available at Audi dealerships, online sellers or second-hand from previous owners.
Audi S4 vehicles all carry 3.0-litre engines.
You can compare the cost of insuring an Audi S4 using any price comparison websites.
Yes, Audi S4 models can be found in insurance groups ranging from 36 to 39. That means it will cost more than the average vehicle to insure.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
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Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio
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Danny has written 347 Finder guides across topics including:
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