Compare Audi Car Insurance Rates (2023)
The average Audi driver pays around $178 a month for full coverage and $42 for liability coverage. Compare Audi car insurance rates in this guide to get the best price on your policy.
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Written by
Justin Wright |
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Reviewed by
Laura Kuhl
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UPDATED: Mar 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 14, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive Audi to insure is the S8, with full coverage rates of around $254 per month
- The Audi SQ5 is one of the most affordable luxury SUVs to insure at $152 monthly
- Older drivers with clean records get the cheapest Audi car insurance quotes
Luxury car insurance doesn’t have to be expensive. Audi car insurance rates are among the most affordable when it comes to luxury sedans and SUVs. When compared to other affluent brands, Audi insurance costs less than Mercedes, Porsche, and Cadillac.
The average Audi driver pays just $178 monthly for full coverage, but quotes go as low as $140 for the Audi A3. Compare Audi car insurance rates for free in our guide below to see how much you could pay based on the model you drive.
How much are the average Audi car insurance rates?
The average Audi driver pays around $178 a month for full coverage. Monthly rates can go as low as $42 if you only carry liability insurance, but your Audi will not be protected from damages or theft.
Audi car insurance prices also vary by the model you drive. If the average driver pays $178 monthly, your rates could jump to over $200 if you drive a sports car or racing model like the Audi S8 or Audi RS7.
Learn more about each Audi model below and compare Audi car insurance rates for your vehicle.
Audi A Series Insurance Rates
The iconic A Series are the most popular Audi models on the road. The A Series sedans range in size from two-door mini cars to four-door luxury models.
The type of A Series you drive affects how much you pay for car insurance. Age and driving record also impact Audi car insurance rates. For example, Audi A4 car insurance rates are around $153 per month, but rates double for high-risk drivers with accidents or speeding tickets.
Use this table to compare Audi A Series car insurance rates for different drivers:
| Vehicle Model | Liability Coverage | Full Coverage | Teen Driver | High-Risk Driver |
|---|---|---|---|---|
| Audi A3 | $42 | $140 | $511 | $298 |
| Audi A4 | $42 | $153 | $560 | $327 |
| Audi A6 | $42 | $167 | $609 | $355 |
| Audi A7 | $42 | $178 | $651 | $379 |
| Audi A8 | $42 | $188 | $685 | $399 |
Audi A5 insurance is missing from this study, so use our expert guide to find the best Audi A5 Sportback car insurance rates near you.
Audi S Series Insurance Rates
The S Series models are the sports editions of the classic A Series sedans. Audi upgraded the S Series with high-performance engines and sportier trims, all of which increase your car insurance rates.
When we compared Audi car insurance rates, we found that Audi S5 insurance costs were nearly as high as Audi A8 insurance rates:
| Vehicle Model | Liability Coverage | Full Coverage | Teen Driver | High-Risk Driver |
|---|---|---|---|---|
| Audi S3 | $27 | $145 | $531 | $310 |
| Audi S4 | $34 | $159 | $580 | $338 |
| Audi S5 | $42 | $180 | $657 | $383 |
| Audi S6 | $42 | $188 | $685 | $399 |
| Audi S7 | $42 | $231 | $843 | $491 |
The most expensive Audi to insure is the S8 model at $254 per month for full coverage. Learn why companies charge more for sports car insurance.
Audi R Series Insurance Rates
The R Series are the racing equivalent of the Audi S and A series. These high-risk vehicles accelerate in three-and-a-half seconds or less, and the Audi R8 reaches a max speed of 205 mph, making it one of the most expensive Audis to insure.
Compare Audi R8 vs. Audi RS7 sports car insurance rates to see how much you could pay:
| Vehicle Model | Liability Coverage | Full Coverage | Teen Driver | High-Risk Driver |
|---|---|---|---|---|
| Audi R8 | $42 | $245 | $896 | $522 |
| Audi RS7 | $42 | $216 | $790 | $460 |
Fortunately, you can get lower rates by qualifying for Audi car insurance discounts. Most new Audis have additional safety features and enhanced driving capabilities that can earn you discounted rates. Compare car insurance discounts to get the most savings.
Audi Q Series Insurance Rates
The Q, or “Quattro” Series, is Audi’s line of SUVs. Drivers with SUVs pay less for insurance because these vehicles perform better in national safety tests than sedans or sports models.
Compare Audi car insurance rates for the Q Series below:
| Vehicle Model | Liability Coverage | Full Coverage | Teen Driver | High-Risk Driver |
|---|---|---|---|---|
| Audi Q3 | $42 | $157 | $575 | $335 |
| Audi Q5 | $37 | $161 | $588 | $343 |
| Audi SQ5 | $27 | $152 | $556 | $324 |
| Audi Q7 | $42 | $165 | $604 | $352 |
Even high-risk drivers get cheaper Audi car insurance rates, especially when compared to other luxury SUVs, like the Cadillac Escalade or Mercedes G-Wagon.
Audi TT Series Insurance Rates
Traditionally, two-door coupes and convertibles have the highest car insurance rates. However, Audi TT drivers pay significantly less than most drivers in similar brands, although rates do increase if you buy the sports (TTS) or racing (TT RS) edition.
| Vehicle Model | Liability Coverage | Full Coverage | Teen Driver | High-Risk Driver |
|---|---|---|---|---|
| Audi TT | $42 | $164 | $599 | $349 |
| Audi TTS | $35 | $157 | $574 | $334 |
| Audi TT RS | $34 | $167 | $609 | $355 |
When compared to other Audi models and luxury brands, Audi TT car insurance rates are among the most affordable. Coverage costs nearly $50 less than Porsche 911 or Jaguar F-TYPE rates.
Compare Porsche car insurance rates and Jaguar car insurance rates to see if Audi is the best luxury car brand for you.
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What factors into my Audi car insurance rates?
Since Audis are considered luxury vehicles, insurance companies automatically charge higher insurance rates to cover expensive repairs or replacement parts.
Other factors that impact your Audi insurance rates include:
- Driver age: Teens and young drivers pay the most for insurance because they have the least amount of experience behind the wheel.
- Driver history: High-risk drivers with accidents, DUIs, speeding tickets, or claims on their record will pay more for car insurance.
- Vehicle model: The type of Audi you drive impacts your car insurance rates, and drivers with sports or racing models pay the most.
- Vehicle coverage: The amount of coverage in your Audi car insurance policy impacts how much you pay per month.
There are many other factors that affect car insurance rates, but vehicle coverage has one of the biggest impacts on Audi insurance costs since you’re more likely to carry higher limits to protect your luxury vehicle.
Understanding Different Types of Audi Car Insurance Coverage
Understanding the different types of car insurance will ensure you buy the right policy. Research your state laws to learn more about the different types of Audi car insurance you need, including:
- Liability car insurance: Pays for damages and injuries you cause to other drivers or passengers in an at-fault accident.
- Medical payments (MedPay) coverage: Pays for your and your passengers’ hospital and medical bills after an accident or collision.
- Personal injury protection (PIP) insurance: Pays for medical bills as well as lost wages and some household care if you are injured and unable to work after an accident or collision.
- Uninsured/underinsured motorist insurance (UM/UIM): Pays for property damage caused by an uninsured, underinsured, or hit-and-run driver.
Most states require liability insurance. Other states with no-fault insurance laws will require drivers to carry UM/UIM and either PIP or MedPay along with liability, which raises rates.
If you are leasing or financing an Audi, you will need to carry collision and comprehensive insurance, along with your state’s minimum liability requirements. This is what insurance companies call full coverage car insurance.
The main difference between full coverage and liability car insurance is that full coverage is a suite of three types of policies — liability, collision, and comprehensive. It combines minimum liability with collision and comprehensive coverage to pay for damages caused by you, other drivers, weather-related incidents, fire, theft, or vandalism.
Combining liability with comprehensive and Audi collision insurance will raise your rates, but you’ll be better protected from out-of-pocket costs in an accident.
The Bottom Line on Comparing Audi Car Insurance Rates
The best car insurance for Audi will offer you a competitive price for a full coverage policy. On average, drivers pay $178 per month for Audi car insurance. The most expensive Audi to insure is the sporty Audi S8 at $254 monthly, while the compact Audi A3 gets the cheapest monthly insurance rate of $140.
You can lower your Audi car insurance rates by:
- Asking for discounts.
- Increasing your deductibles.
- Comparing quotes online.
Comparing car insurance rates by vehicle type is the easiest way to find cheap car insurance for an Audi. Use our comparison tool below to get quotes by vehicle, company, and location to see which offers the best price. Enter your ZIP code to compare Audi car insurance rates today.
Frequently Asked Questions
Are Audis expensive to insure?
Car insurance for Audis is more expensive when compared to standard policies for non-luxury cars, but Audi insurance rates are more affordable when compared to Lexus, BMW, and Mercedes-Benz.
Why is Audi car insurance so expensive?
Audis are luxury vehicles that cost more to repair or replace if you file a claim for damages. You’ll also pay more for coverage if you drive a sports or racing model, as these high-speed vehicles increase the likelihood of you filing a claim.
Are Audi cars more expensive to insure than BMW?
No, Audis are often cheaper to insure than BMW, depending on the model you buy. For instance, most Audi A Series models are less expensive to insure than BMW M Series, but sports cars like the Audi S8 are still more expensive. Compare Audi car insurance rates with other luxury insurance companies in your area to find out which is the cheapest vehicle to insure near you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Justin Wright |
|
Reviewed by
Laura Kuhl
|