Insurance premium on your S4

[VtotheJ]

I think this is crazy, but my S4's yearly insurance is almost $1700 (full coverage), and is way more than what I pay on my Exige. It is also higher than what I paid on my ISF, and i was in my early 20's. What are you guys paying?

[The Machine]

Well this is all going to be subject to where you live, but I live in south NJ and I pay $1,486 per year for mine. I have New Jersey Manufacturers Insurance, no accidents, and I'm 34. NJ is pretty infamous for having high car insurance rates though. I'm sure NY can vary a good deal depending on where in the state you live.

[VtotheJ]

^That is true but out of the 4 cars I've owned the S4 costs the most to insure by several $100 and I don't understand why. I've lived in the same county.

[joediesel]

I pay $1560/yr for mine in Boston MA, actually about $200/year more than when I was living in NYC

[optionfa]

2,200... O'Canada!!

[ndirish1994]

I pay $1500 for full coverage with $3000 in after market part protection, I'm 23 and have no accidents

[whiped]

Mine is $740/yr which is funny because it is cheaper than the 2016 Camry and 2017 Corolla that are on the same plan.

[sacandagaD]

So many variables to consider: where you live, costs to repair make/model, severity of claims for a particular make/model, personal/household loss history, age, longevity with company, annual miles driven, coverage limits for BI/PD/U, MVR record and Credit Characteristics, to name a few...

[TXautobahn]

Paying about $1400 per year in Houston. Clean record.

[evil35r]

1200 a year va

[Blue S4]

These threads are about as useful as comparing dyno numbers! Insurance premiums are based on dozens, sometimes hundreds of factors. Strictly comparing your end premium really doesn't accomplish much, other than frustrate or encourage you.

The things that most heavily affect premium in no specific order are Liability Limits and Coverages, age, driving record, credit, package (home, toys, umbrella, life insurance) discounts, zip code, number of cars and drivers in household, vehicle usage, specific vehicle characteristics, etc. etc. etc.

FWIW, I am 30, solid credit, clean record, homeowner, in Northern IL and pay;

$1,014 per year for my 2014 S4
$673 per year for my 2007 S4

with $250k/250k/100k limits and $250/500 deductibles plus towing, parked car collision, etc.

This is with Kemper Preferred (who I am an agent with, and I can help you guys if desired).

[tar]

I have high limits. Pay over 1600.
28 clean record in socal. Gonna start looking at other companys soon.

[Corradobrit]

Paying about $1400 per year in Houston. Clean record.

Thats about what I pay. Full coverage $500 ded, 53, clean record, no accidents. I think I'm overpaying but I have to factor in the homeowners insurance which more than easily compensates for the higher car coverage.

[Blue S4]

My best advice, as an insurance guy for my entire career, is find a local independent agent and let them shop your policies for you. Request that they market your policies frequently, at least every few years. Package your Auto and Home, and if you rent get a Renters policy! Worry about coverage, not price. Increase your liability limits to the maximum you can afford and consider an Umbrella policy if you value the things that you've worked hard to attain.

Having cheap monthly payments means nothing when you have shit coverage and are caught holding the bag when the "unthinkable" happens. I've seen it far too many times.

[audiAYYY4]

I pay $1600/year, CA, $2500 deductible, 50k/100k coverage. I'm 31, 2012 S4

[VtotheJ]

My thread was mostly regarding insurance premiums compared to the other cars you have owned. For some reason the S4 is costing me the most.

[Corradobrit]

My 2007 A4 was $900 for same coverage which I thought was outrageous.

[tyson171]

I think mine is $1,300 a year, went up about 20 a month from my previous vehicle. (2017 wrx). I had a c6 corvette that was cheaper to insure than both of them.

[Blue S4]

My thread was mostly regarding insurance premiums compared to the other cars you have owned. For some reason the S4 is costing me the most.

That's fair to compare things that way. My B8.5 is 50% more per year than my B7 S4, which doesn't seem outrageous to me. The B7 is worth less than $10k and the B8.5 is worth around $35k.

Obviously companies are basing rates off actuarial tables, so they're looking at far more than just outright values. They look at the frequency of accidents and claims, the severity (bodily injury to all parties, physical damage, etc.) and base rates off that. Its a relatively high performance car, and expensive to repair, so its not surprising that they aren't cheap to insure. Plus you live in NY, which has some of the highest rates in the country, especially if you're in or near the city.

[B8Addict]

$2460 a year. Yay for Canada insurance...

[Wreckm]

1400 6 months

[MN Blue S4]

$730 per year in MN.

[vwblackb5]

I have high limits. Pay over 1600.
28 clean record in socal. Gonna start looking at other companys soon.

Bruh tell em you’re a Degreed (B.S) science guy.. should help with the rate. 1600 is atrocious lol.


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[jygesq]

$1060 per year 1 mill bodily injury, $500 ,000 property damage, uimic $2mill, comp $200 deductible,collision $500'deductable. USAA Full glass & car rental , I also get 2 distribution total about $400-$600 per year. My house is also insured with them

[theweebabyseamus]

36 in Socal, GEICO. $500 ded, fair limits. $1260 a year. 2010 S4

[SDV325]

2,200... O'Canada!!

$2460 a year. Yay for Canada insurance...

Uhhh pretty sure im like $1400/year in Alberta (My APEGA discount is also pretty significant though and multi vehicle/house insurance discount). Im 31 with a squeeky clean record, never a received a demerit or been in an accident...knock on wood.

[08ISF]

I have high limits. Pay over 1600.
28 clean record in socal. Gonna start looking at other companys soon.

Same age as you and clean record and also paying over 1600/year. What company are you with? I'm with Mercury right now and looked at other companies and they were still the cheapest.

[G_S_4]

$997 in Chicago, full coverage through Esurance. Clean record, early 30's.

[CardFan]

I was paying over $1500/yr with State Farm and recently decided to shop around. Both Liberty Mutual and Allstate quoted me just over $800/yr, so I just switched to Allstate.

[Flint]

$1400 per year, about 1.5x the cost of my E90 M3 on the same policy. Thought that was strange.

[Loe]

$850/year in my "sportier" S5 ... $500,000/$750,000 w/ $250 ded. Luckily living in FL, you have a mandatory uninsured too...

[tar]

Same age as you and clean record and also paying over 1600/year. What company are you with? I'm with Mercury right now and looked at other companies and they were still the cheapest.

Gieco. I have a high policy can't remember splits but was highest they regularly offer its one of those bills I just pay and don't think about much lol. Socal costs are always higher than most states.

[icemiko]

$2,000 USD per year, max discount and $300 deductible, such a ripoff in Canada.

[-unSound]

My 2015 S5 is $1496 CAD for full coverage. My 2011 F-150 is slightly higher for the same coverage 24 y/o. Discounted through employer and multiple vehicles on policy.

[TXautobahn]

I think mine is $1,300 a year, went up about 20 a month from my previous vehicle. (2017 wrx). I had a c6 corvette that was cheaper to insure than both of them.

Had a C6 previously, as well. Was surprisingly reasonable to insure. Maybe 40% less than the S4?

[rvcahawaii808]

Mine is $740/yr which is funny because it is cheaper than the 2016 Camry and 2017 Corolla that are on the same plan.

wtf!

[VisidianRyder]

850 a year with progressive, 1000 comprehensive and 500 collision deductible. Not daily driven though.

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[joe biker]

$850/year in my "sportier" S5 ... $500,000/$750,000 w/ $250 ded. Luckily living in FL, you have a mandatory uninsured too...

However in fl it all depends on your zip code.
I am paying 1400 for my 18 S4
With high limits,clean record and 67
yrs young.
Good thing in Florida insurance is stacked if you own more than one vehicle as a lot of people here don’t have Auto insurance.
Most of the money on your policy is for uninsured motorist.
I shopped around and Geico has the best rates with the best coverage.
Being a homeowner you have to cover
your azz .


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[B18b1ex]

However in fl it all depends on your zip code.
I am paying 1400 for my 18 S4
With high limits,clean record and 67
yrs young.
Good thing in Florida insurance is stacked if you own more than one vehicle as a lot of people here don’t have Auto insurance.
Most of the money on your policy is for uninsured motorist.
I shopped around and Geico has the best rates with the best coverage.
Being a homeowner you have to cover
your azz .


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Really sucks on the east coast of Fl, no one has insurance! $1240/ 6months! State Farm


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[Loe]

yep, lots of un-insured motorist in FL. It's just dumb!