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Key Takeaways

  • The Q3 crossover SUV is the most affordable Audi to insure, costing $2,780 per year. The A8 sedan, A3 sedan, and E-Tron electric SUV, all of which cost less than $3,012 a year to insure, are close behind.
  • A full-coverage policy for a 2022 Audi costs $3,425 per year on average.

Audi Stats

Audi has released a slew of changes to its model lineup, just in time for the 2022 license plate change. With the exception of the newly released Q4 e-tron and e-tron GT, as well as the A8 limousine, all of Audi's models receive visual and technological improvements.

History of Audi

Audi was named from the Latin translation of its founder's first name, August Horch because he used Horch for his first vehicle firm before leaving following a disagreement. According to Cheap Vehicle Insurance, Audi was originally known as Auto Union, and the famous four-circle symbol, which is still used today, reflects the four-car firms that joined to form the company.

Auto Union was purchased by Volkswagen in the early 1960s, and with the F103 series of automobiles released in 1965, the firm was reintroduced as a luxury manufacturer. With technologies like corrosion-resistant galvanized steel automobiles, the company continues to live true to its early slogan of Advancement Through Technology.

Audi introduced its now-classic turbocharged Quattro, one of the best four-wheel drive vehicles, in 1980.

Audi Insurance Introduction

Any damages or losses caused to a third party are covered by an Audi insurance policy. It also offers complete coverage for automobiles. It also provides cashless transactions via network garages. This service also provides end-to-end claim help.

How much does Audi Insurance Cost?

Audi drivers pay $1,884 on average for auto insurance each year. However, your insurance prices may differ based on the model you own. Insuring a Q5 E Premium costs $1,098 more per year than insuring an S4.

Although the Audi brand has existed since the early twentieth century, its modern era began in the 1960s. That was when it was acquired by Volkswagen. Audi is currently known for its luxurious interiors, excellent performance, and characteristic Quattro all-wheel-drive technology. It is one of the world's most popular luxury vehicle brands.

You'll want to be sure you have the correct car insurance for your Audi when you buy it.

Rank Model Average Annual Premium
1 Q3 $2690
2 A8 $2900
3 A3 $2949
4 E-Tron $2996
5 Q7 $3287
6 Q5 $3290
7 TT $3365
8 A4 $3377
9 A6 $3406
10 A5 $3466
11 Q7 $3563
12 A7 $4238
13 R8 $4907

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How Much does it Cost to Insure an Audi?

An Audi A4's average annual premium is $1568, with monthly payments of $158. While it costs about $37 more per year than other vehicles, drivers with a clean driving record can save up to $661. Overall, the Audi A4's insurance prices are competitive. The table below shows the average insurance costs for each Audi model.

Model Insurance Cost
Audi A3 $1762
Audi A4 $1764
Audi A5 $1788
Audi A6 $1998
Audi A7 $2390
Audi A8 $2600
Audi ETron $2140
Audi Q3 $1712
Audi Q4 $1788
Audi Q5 $1768
Audi Q7 $1994
Audi Q8 $1962
Audi RS 3 $1856
Audi RS 5 $2162
Audi RS 6 $2386
Audi RS 7 $2336
Audi S3 $1768
Audi S4 $1936
Audi S5 $1852
Audi S6 $2194
Audi S7 $2582
Audi S8 $2194
Audi SQ5 $1870
Audi SQ7 $2120
Audi TT $1856

Car insurance for an Audi: by model

Car Insurance for an Audi A3

Audi A3 Car Insurance Average Annual Premium
Minimum Coverage $461
Full Coverage $1982

Car Insurance for an Audi A4

Audi A4 Car Insurance Average Annual Premium
Minimum Coverage $486
Full Coverage $2012

Car Insurance for an Audi A5

Audi A5 Car Insurance Average Annual Premium
Minimum Coverage $476
Full Coverage $2575

Car Insurance for an Audi A8

Audi A8 Car Insurance Average Annual Premium
Minimum Coverage $488
Full Coverage $3312

Car Insurance for an Audi E-Tron

Audi A8 Car Insurance Average Annual Premium
Minimum Coverage $523
Full Coverage $2532

Audi Insurance Previous Years

Car Insurance for an Audi A3

The A3 is the second-cheapest Audi sedan to insure, costing $2,949 per year on average and is 15% less expensive than the average Audi.

Year Average Insurance Cost
2022 $2,949
2021 $3,006
2020 $2,860
2019 $2,794
2018 $2,584

Car Insurance for an Audi A4

An A4 vehicle costs $3,377 per year on average to insure. This is 2% less expensive than the average rate for all Audi vehicles.

Year Average Insurance Cost
2022 $3,377
2021 $3,254
2020 $3,155
2019 $3,070
2018 $2,804

Car Insurance for an Audi A5

The average annual price to insure an Audi A5 is $3,466 per year.

Year Average Insurance Cost
2022 $3,466
2021 $3,544
2020 $3,334
2019 $3,331
2018 $2,023

Car Insurance for an Audi A8

The average annual price to insure an Audi A5 is $3,406 per year.

Year Average Insurance Cost
2022 $3,406
2021 $3,538
2020 $3,567
2019 $3,251
2018 $2,895

Car Insurance for an Audi R8

The average annual price to insure an Audi A5 is $4,907 per year.

Year Average Insurance Cost
2022 $4,907
2021 $5,615
2020 $5,203
2019 NA
2018 $6,446

Car Insurance for an Audi TT

The average annual price to insure an Audi TT is $3365 per year.

Year Average Insurance Cost
2022 $3,365
2021 $3,603
2020 $3,341
2019 $3,225
2018 $3,652

Cheapest Car Insurance Companies for Audis

The following are the cheapest car insurance companies you can go for while buying an Audi

Insurance Provider Average Annual Rate
State Farm $2,056
Nationwide $2,774
USAA $2,830
Average $3,425
Progressive $3,834
All State $6,371

Average annual premium for full coverage by model

Car Insurance company Audi A3 Audi A4 Audi A5 Audi A8 Audi E-Tron Audi Q5
Amica $1519 $1448 $1915 $2622 $1960 $1439
Erie $1903 $1628 $1784 $2712 $2696 $1558
State Farm $1541 $1563 $1883 $2715 $2163 $1717
USAA $1446 $1563 $1752 $2669 $2010 $1548

Audi Insurance Eligibility Criteria

Full coverage vs. minimum coverage for your Audi

>Minimum coverage

Coverage Type Protection Offered
Bodily Injury Liability (per person and accident) Pay for expenses incurred as a result of injuries you've caused to others.
Property damage liability per accident Covers the costs of any damage you cause to another person's vehicle or property.
  Protection for uninsured motorists (pay per person and per accident).

>Full coverage

Coverage Type Protection Offered
Collision Coverage Pay for expenses incurred as a result of injuries you've caused to others.
Comprehensive Coverage Covers damage caused by something other than an accident, such as a weather occurrence, theft, or vandalism.

Other Car Insurance Coverage for Audi

  • Collision: Collision auto insurance protects your cars from damage caused by unintentional collisions with other vehicles or fixed buildings. It will also protect you if another vehicle collides with yours while it is parked.
  • Comprehensive: When you get comprehensive coverage, it helps cover the cost of damage to your vehicle that isn't caused by a collision. Theft, vandalism, hail, and hitting an animal are all covered with comprehensive coverage.
  • Rental car reimbursement: While your own vehicle is being repaired after a covered insurance claim, rental reimbursement coverage helps you pay for mobility expenditures like a rental car or public transportation fare. It does not apply if you need routine maintenance on your vehicle or if you need to rent a car while on vacation.
  • Uninsured and underinsured motorists: If you're in an accident with a driver who doesn't have liability insurance, uninsured motorist insurance will cover you. When you're in an accident with an at-fault driver whose liability limits are insufficient to cover the medical expenses of any wounded people, underinsured motorist coverage kicks in.

Are Audis Expensive to Insure?

Automotive Brand Insurance Cost
Audi $2085
Acura $1770
BMW $2111
Infiniti $1935
Lexus $1824
Mercedes $2124
Volvo $1666

Audi, like BMW and Mercedes, is one of the most expensive luxury car brands to insure, as indicated in the graph above. In percentage terms, Audi insurance costs 1.2 percent less per year than BMW, 1.8 percent less than Mercedes-Benz, and 14.4 percent more than the Lexus average rate.

Audi Car Insurance Cost v/s Other Brands

Automotive Brand Insurance Cost Difference
Audi $2085 -
Acura $1770 -$309↓
BMW $2111 $38↑
Cadillac $1663 $-416↓
Chevrolet $1550 $-523↓
Dodge $2019 -$54↓
Ford $1549 -$524↓
Genesis $1839 -$234↓
GMC $1648 -$425↓
Honda $1466 -$607↓
Hyundai $1549 -$537↓
Infiniti $1935 -$138↓
Jaguar $1971 -$102↓
Jeep $1683 -$390↓
KIA $1523 -$550↓
Land rover $1823 -$190↓
Lexus $1824 -$249↓
Lincoln $1718 -$355↓
Mazda $1411 -$662↓
Mercedez-Benz $2124 $51↑
Mitsubishi $1624 -$449↓
Nissan $1620 -$453↓
Subaru $1464 -$609↓
Tesla $1974 -$99↓
Toyota $1552 -$521↓
Volkswagen $1492 -$581↓
Volvo $1666 -$407↓

Which Audi Models are Cheap to Insure?

The Audi Q3, a modest premium SUV that costs an average of $1,712 per year, or roughly $154 per month, is the cheapest Audi model to insure for 2022 models. At $1,762 per year, the Audi A3 comes in second.

The Audi A4, Audi S3, and Audi Q5 are the next three cheapest Audi automobiles to insure.

Audi Q3 – (small premium SUV) – $1,712 per year, or $154 per month

The average annual fee for an Audi A3 (midsize premium automobile) is $1,762, or $158 per month.

The average annual fee for an Audi A4 (small premium automobile) is $1,764, or $158 per month.

Audi S3 (small luxury automobile) - $1,768 yearly cost or $158 per month.

Audi Q5 – (small luxury SUV)- $1,768 yearly cost or $158 per month.

Which Audi Models are Expensive to Insure?

The Audi R8 sports car is the costliest Audi model to insure for 2022 models, costing $3,064 per year or roughly $266 per month. The Audi A8 comes in second with a cost of $2,600 per year.

Audi R8 (sports car) - $3,064 per year or $266 per month.

Audi A8 (big premium automobile) – $2,600 yearly cost or $228 each month.

Audi S7 (midsize luxury automobile) - $2,582 yearly cost or $226 each month.

Audi S8 (big premium automobile) - $2,570 yearly cost, or $225 per month.

Audi A7 (midsize luxury automobile) - $2,390 yearly rate or $210 per month.

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What impacts your insurance costs for Audi?

While certain basic insurance costs are determined by the car's model, age, and type of insurance, carriers will also consider your unique demographics and other criteria when determining your rates.

What Audi model do you drive?

The model of your car has a significant impact on your insurance prices. As previously stated, choosing the smaller Audi A3 will result in lower insurance prices than choosing the larger Audi Q7. However, even amongst models, your insurance can differ.

Various trim levels—different variations of the same model with different features—usually come with different price tags.

Automotive Brand Features Recommended Coverage Reason for Coverage
Q7 Prestige The Premium is Audi's entry-level specification, including leather upholstery, a panoramic sunroof, and Audi's MMI user interface. Roadside Assistance If you ever become stranded in your Audi, this insurance will cover the costs of towing and labor.
Q7 Premium Larger 20-inch wheels, four-wheel steering, and a superior sound system are included in the top-of-the-line version. Coverage of the sound system Sound system coverage will cover you if your upgraded audio equipment is stolen, thanks to the availability of system updates.

Your insurance provider

To compute insurance premiums, each insurance company has its own (secret!) formula. This implies that if you compare the same coverage from other providers, you'll most likely get a variety of quotes.

You'll want to be sure you're not skimping on coverage in order to save a few dollars. In the event of an accident, this might leave you financially stranded.

You'll probably want to compare quotes from several insurers to locate the best coverage and rate. However, if you've done this before, you know how tedious and time-consuming it can be.

Insurance Company Insurance Cost
National General $3377
Dairyland $3039
Safeco $3225
Progressive $3145
Allstate $3152
Nationwide $3003
Kemper $2871
Travelers $2934
State Auto $2749

Your driving records

When determining prices, insurance companies also consider traffic offenses.On your record, a little speeding ticket or failing to stop could result in a tiny rise in your insurance cost. Serious violations, like driving while intoxicated (DUI) or careless driving, have a considerably greater impact on your premiums and will stay on your record for many years.

However, if you change your driving practices and keep a clean driving record in the future, your insurance premiums are likely to decrease.

Accidents, Violations, and Audi Insurance Annual Cost

Age Group Clean Speeding Ticket Serious Offense
18-20 $2386 $1728 $2004
21-24 $2182 $2989 $2785
25-34 $1838 $2355 $2250
35-44 $1800 $2011 $2350
45-54 $1774 $2052 $1972
55-64 $1993 $968 $0
65+ $2393 $0 $1285

Where do you reside?

Because different places have varied accident rates, crime rates, and natural catastrophe incidences, where you reside can have a big impact on your insurance rate. Audi premiums can even differ significantly between cities within the same state.

It's all about risk for your insurer. If your city experiences a lot of car thefts, crashes, or severe weather events like hail storms or hurricanes, you can expect to pay more for your policy because your insurance company faces a higher risk.

City Average Cost
Atlanta $3137
Austin $2472
Brooklyn $5069
Chicago $2960
Dallas $3452
Denver $3824
Houston $3993
Irvine $2947
Philadelphia $2719
Phoenix $3249

Other Car Insurance Coverage for Audi

To make sure your Audi is adequately insured, seek estimates from a few different auto insurance companies to see which one will offer you the coverage you need at a reasonable price. Because of the increased repair expenses connected with this luxury brand, you may wish to choose comprehensive coverage to help pay repair costs.

The following are some useful vehicle insurance coverage alternatives for protecting your Audi:

  • Collision: Collision auto insurance protects your cars from damage caused by unintentional collisions with other vehicles or fixed buildings. It will also protect you if another vehicle collides with yours while it is parked.
  • Comprehensive: When you get comprehensive coverage, it helps cover the cost of damage to your vehicle that isn't caused by a collision. Theft, vandalism, hail, and hitting an animal are all covered with comprehensive coverage.
  • Rental car reimbursement: While your own vehicle is being repaired after a covered insurance claim, rental reimbursement coverage helps you pay for mobility expenditures like a rental car or public transportation fare. It does not apply if you need routine maintenance on your vehicle or if you need to rent a car while on vacation.
  • Uninsured and underinsured motorists: If you're in an accident with a driver who doesn't have liability insurance, uninsured motorist insurance will cover you. When you're in an accident with an at-fault driver whose liability limits are insufficient to cover the medical expenses of any wounded people, underinsured motorist coverage kicks in.

How to Get Audi Insurance with Way.com?

Way.com combines dozens of auto insurance quotes in one place for you to choose and compare once you complete an easy online form. Once you've decided on a quote, Way.com may assist you in switching to Ford vehicle insurance.

All of the quotes provided are real-time price comparisons with any of the auto insurance companies with whom we do business. Our affiliated auto insurance companies and we would utilize the same driver and vehicle information to offer you a price.

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

FAQ

Is Audi expensive to insure?

Audis are more expensive to insure than non-luxury manufacturers, but they are still quite inexpensive when compared to other high-end automakers. The average cost of insuring a Toyota or Honda is roughly $2,012 per year, while the average cost of insuring an Audi is over $3,412 per year.

Audis, on the other hand, are far less expensive to insure than competing high-end luxury automobiles from Lexus, Mercedes, and BMW. Depending on the type, insurance for these vehicles might cost upwards of $4,012 per year.

Cars that are smaller, faster, and more expensive generally cost more to insure. A smaller, faster car is more likely to be involved in a collision. A costly car is more expensive to repair, which raises insurance rates.

Is Audi insurance cheaper than BMW?

Audi and BMW participate in a variety of vehicle classifications, though not all of them. Because BMW has far more models than Audi, it's not always a fair comparison in terms of pricing, although Audis are generally cheaper than BMW rivals.

Will my insurance go up if I buy an Audi?

The average Audi driver pays 36% more for auto insurance than the average motorist. You may expect to pay about $1618 for a vehicle from this luxury series, depending on where you reside and other considerations.

Is it expensive to insure an Audi A4?

An Audi A4's average annual premium is $1556, with monthly payments of $141. While it costs about $25 more per year than other vehicles, drivers with a clean driving record can save up to $649. Overall, the Audi A4's insurance prices are competitive.

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