Estimates, not quotes

Mercedes-Benz C-Class vs Audi S4 Insurance Cost

The Audi S4 is cheaper to insure by about $30 a year for full coverage by our estimate ($2,050 vs. $2,020), and cheaper in 43 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageMercedes-Benz C-ClassAudi S4Difference
State minimum$655$695−$40
Standard (100/300/100)$945$1,005−$60
Full coverage$2,050$2,020+$30

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = C-Class minus S4.

Why one costs more to insure

FactorMercedes-Benz C-ClassAudi S4
SegmentLuxury carLuxury car
PowertrainsGasoline, Hybrid, Plug-in hybrid, Flex-fuelGasoline
HLDI collision (100 = avg)161177
HLDI comprehensive160137
HLDI property damage liability109123
HLDI bodily injury liability115—
NHTSA overall rating——
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)20

Collision losses are the biggest swing factor: the Audi S4 has 16 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Audi S4.

C-Class vs S4 insurance by state

StateC-ClassS4Difference
Alabama$1,825$1,790+$35
Alaska$1,805$1,790+$15
Arizona$2,135$2,100+$35
Arkansas$1,880$1,820+$60
California$2,040$2,035+$5
Colorado$2,370$2,285+$85
Connecticut$2,125$2,130−$5
Delaware$2,190$2,200−$10
District of Columbia$2,600$2,575+$25
Florida$2,760$2,785−$25
Georgia$2,445$2,445—
Hawaii$1,435$1,430+$5
Idaho$1,400$1,380+$20
Illinois$1,800$1,770+$30
Indiana$1,480$1,455+$25
Iowa$1,470$1,400+$70
Kansas$1,715$1,635+$80
Kentucky$1,715$1,690+$25
Louisiana$2,810$2,775+$35
Maine$1,330$1,310+$20
Maryland$2,265$2,255+$10
Massachusetts$2,020$2,005+$15
Michigan$2,250$2,225+$25
Minnesota$1,760$1,695+$65
Mississippi$2,005$1,950+$55
Missouri$1,900$1,840+$60
Montana$1,720$1,635+$85
Nebraska$1,715$1,640+$75
Nevada$2,215$2,250−$35
New Hampshire$1,485$1,465+$20
New Jersey$2,365$2,385−$20
New Mexico$1,865$1,825+$40
New York$2,660$2,660—
North Carolina$1,595$1,555+$40
North Dakota$1,410$1,335+$75
Ohio$1,490$1,460+$30
Oklahoma$1,915$1,845+$70
Oregon$1,775$1,780−$5
Pennsylvania$1,835$1,795+$40
Rhode Island$2,405$2,415−$10
South Carolina$2,130$2,110+$20
South Dakota$1,700$1,575+$125
Tennessee$1,745$1,710+$35
Texas$2,480$2,405+$75
Utah$1,805$1,805—
Vermont$1,395$1,355+$40
Virginia$1,765$1,740+$25
Washington$1,735$1,740−$5
West Virginia$1,775$1,715+$60
Wisconsin$1,440$1,395+$45
Wyoming$1,735$1,615+$120

By driver profile (full coverage)

DriverC-ClassS4
Teen driver (18, own policy)$5,630$5,560
Young adult (22)$3,275$3,235
Adult in their 30s$2,050$2,020
Adult in their 50s$1,885$1,860
Senior (72)$2,295$2,265
30s, one at-fault accident$2,970$2,935
30s, DUI on record$3,790$3,740

More comparisons

Frequently asked questions

Is the Mercedes-Benz C-Class or the Audi S4 cheaper to insure?

By our estimate the Audi S4 is cheaper, by about $30 a year for full coverage ($2,050 vs. $2,020) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Mercedes-Benz C-Class and Audi S4?

Mostly because of insurance-loss history: HLDI collision indices of 161 vs. 177 and comprehensive indices of 160 vs. 137 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page