Buy Cheap Audi Auto Insurance in 2025
Audis are luxury cars, so finding cheap Audi auto insurance will be more difficult since the average full coverage rate on an Audi is $180/mo. Drivers will need to make sure they compare quotes to find the best rate, especially if they own an Audi S8 or Audi R8, which cost over $200/mo to insure.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Sep 11, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Sep 11, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Audi S8 has the most expensive average rates for a full coverage policy
- The Audi A3 has the cheapest average rates for a full coverage policy
- Drivers should shop around for quotes for their Audi to see if they can find cheaper rates
Audi cars can be expensive to insure, especially the higher-end luxury models, so it can be a little harder to buy cheap auto insurance. If you are searching for cheap Audi auto insurance, it helps to understand how rates change based on models, driving records, and other factors.
Read on to learn how to save on insurance for your Audi. We go over everything from what auto insurance coverages you should carry to average rates by Audi model.
Different Types of Coverage for Audis
Because Audi auto insurance can be more expensive, you are probably wondering which types of auto insurance coverage you can do away with. While you don’t need to carry extras like roadside assistance or rental car reimbursement, you will have to carry your state’s required auto insurance coverages and any coverages required by your lender if you have a lease or loan on your Audi.
If you aren’t sure what your state requires, you can look at our guide on minimum auto insurance required by state to learn about your state’s insurance requirements. Usually, most states will require liability insurance, but they may also require a form of medical insurance or uninsured/underinsured insurance. If you have a lease or loan, you must also carry collision and comprehensive insurance.
- Collision car insurance: Audi collision insurance pays for your Audi’s repairs if you hit another vehicle or an object.
- Comprehensive car insurance: Pays for your Audi’s repairs if you crash into an animal or your car is damaged by vandalism, weather, or falling objects.
- Liability car insurance: Pays for other parties’ medical and repair bills if you cause an accident that hurts other people or damages their property.
- Medical payments (MedPay) insurance: Pays for you and your passenger’s medical bills if you are injured in an accident, no matter who caused the accident.
- Personal injury protection (PIP) insurance: Pays for you and your passenger’s medical bills and associated injury costs, such as lost wages, no matter who caused the accident.
- Underinsured motorist insurance: Pays for your accident bills if the driver who hit you doesn’t have enough insurance to cover all your costs.
- Uninsured motorist coverage: Pays for your accident bills if the driver who hit you doesn’t have auto insurance coverage.
While carrying the bare minimum insurance will save you money on your auto insurance, we do recommend carrying a higher amount of liability insurance if the amount your state requires is low. This will protect you better if you cause an accident that injures other people or damages their property.
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Average Audi Auto Insurance Rates
So how much will Audi auto insurance cost most drivers? Take a look at the average rates for different Audi models below to get an estimate of what most people pay.
Audi Average Monthly Auto Insurance Rates by Model and Coverage Type
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Audi TTS | $38 | $70 | $35 | $157 |
| 2023 Audi TT | $37 | $70 | $42 | $164 |
| 2023 Audi SQ5 | $38 | $76 | $27 | $152 |
| 2023 Audi S8 | $64 | $134 | $42 | $254 |
| 2023 Audi S7 | $51 | $122 | $42 | $231 |
| 2023 Audi S6 | $43 | $87 | $42 | $188 |
| 2023 Audi S5 | $38 | $84 | $42 | $180 |
| 2023 Audi S3 | $34 | $73 | $27 | $145 |
| 2023 Audi RS 7 | $51 | $107 | $42 | $216 |
| 2023 Audi R8 | $57 | $131 | $42 | $245 |
| 2023 Audi Q7 | $38 | $70 | $42 | $165 |
| 2023 Audi Q5 | $36 | $72 | $37 | $161 |
| 2023 Audi Q3 | $33 | $67 | $42 | $157 |
| 2023 Audi A8 | $43 | $87 | $42 | $188 |
| 2023 Audi A7 | $39 | $81 | $42 | $178 |
| 2023 Audi A6 | $37 | $73 | $42 | $167 |
| 2023 Audi A4 | $32 | $64 | $42 | $153 |
| 2023 Audi A3 | $27 | $55 | $42 | $140 |
Some of the more expensive Audis to insure are the Audi S8, Audi R8, and Audi S7, all of which have an average monthly rate for full coverage that is well over $200 per month.
Learn more:
In contrast, the cheapest model to insure, the Audi A3, costs an average of $140 per month for a full coverage auto insurance policy, so there can be a huge price difference for insurance based on what model you pick. Read more: Buy Cheap Audi A3 Auto Insurance
You will also see major price differences based on drivers’ ages and driving records, as you can see from the average rates displayed below.
Audi Average Monthly Auto Insurance Rates by Model, Driving Record, and Age
| Vehicle Model | High Risk Driver | 20-Year-Old-Driver | 30-Year-Old-Driver | 40-Year-Old-Driver | 50-Year-Old-Driver | 60-Year-Old-Driver |
|---|---|---|---|---|---|---|
| 2023 Audi A3 | $298 | $317 | $146 | $140 | $127 | $125 |
| 2023 Audi S3 | $310 | $329 | $152 | $145 | $133 | $130 |
| 2023 Audi SQ5 | $324 | $345 | $159 | $152 | $139 | $136 |
| 2023 Audi A4 | $327 | $348 | $160 | $153 | $140 | $137 |
| 2023 Audi TTS | $334 | $356 | $164 | $157 | $143 | $140 |
| 2023 Audi Q3 | $335 | $357 | $164 | $157 | $143 | $140 |
| 2023 Audi Q5 | $343 | $365 | $168 | $161 | $147 | $144 |
| 2023 Audi TT | $349 | $372 | $171 | $164 | $149 | $146 |
| 2023 Audi Q7 | $352 | $375 | $173 | $165 | $151 | $148 |
| 2023 Audi A6 | $355 | $378 | $174 | $167 | $152 | $149 |
| 2023 Audi A7 | $379 | $404 | $186 | $178 | $162 | $159 |
| 2023 Audi S5 | $383 | $407 | $188 | $180 | $164 | $160 |
| 2023 Audi S6 | $399 | $425 | $196 | $188 | $171 | $167 |
| 2023 Audi A8 | $399 | $425 | $196 | $188 | $171 | $167 |
| 2023 Audi RS 7 | $460 | $490 | $226 | $216 | $197 | $193 |
| 2023 Audi S7 | $491 | $523 | $241 | $231 | $210 | $206 |
| 2023 Audi R8 | $522 | $556 | $256 | $245 | $224 | $219 |
| 2023 Audi S8 | $542 | $577 | $266 | $254 | $232 | $227 |
Drivers with DUIs, at-fault accidents, and traffic tickets are charged higher rates by insurance companies. Having a clean driving record is, therefore, one of the best ways to save on your Audi insurance and can be a big help in reducing rates if you are a young driver. Learn how to buy auto insurance.
Ways to Save on Audi Auto Insurance
Because Audi car insurance can be expensive, especially if you own a pricier model, we want to go over a few things you can do to lower your auto insurance rates.
- Bundle your insurance policies. One of the biggest auto insurance discounts at most insurance companies is an auto insurance bundling discount if you purchase more than one type of insurance from the company, such as home and auto insurance.
- Raise your deductible. Raising your deductible means you are paying more out of pocket and taking on more financial reasonability, so insurance companies will charge you less.
- Shop for auto insurance quotes. The best way to ensure you have the cheapest rate for your Audi is to get multiple auto insurance quotes from different companies. Learn how to save on auto insurance by getting multiple auto insurance quotes.
As we mentioned earlier, having a clean driving record will also go a long way to keeping your auto insurance rates low. It shows you are less likely to get into a crash and file an auto insurance claim, so insurance companies will charge lower rates on average.
The Final Word on Cheap Audi Auto Insurance
Because Audis are more expensive on average to insure, it’s important to take your time shopping around for quotes and comparing Audi insurance rates. You can also consider raising your deductible, and keeping a clean driving record will help you find affordable Audi auto insurance.
If you want to start looking for the cheapest auto insurance for your Audi, use our free quote comparison tool. It will do the work for you by comparing rates from companies in your area to help you find the best cheap Audi auto insurance quotes.
Frequently Asked Questions
Is Audi insurance expensive?
Yes, more expensive models of Audis tend to cost over $200 per month for a full coverage policy. If you want to reduce your auto insurance costs for your Audi, the best thing you can do is shop around for quotes, keep a clean driving record, and take advantage of Audi auto insurance discounts.
Why is insurance for Audis so expensive?
Audis are considered a luxury car brand and have higher retail prices than other car brands. This means that repairs for Audis will cost more, especially if parts need to be replaced. Therefore, insurance companies charge more for Audis as they will have to pay more if you file a claim.
Are Audis cheaper to insure than BMWs?
Some cheaper models of Audis will be cheaper to insure than the more expensive BMW models, but for the most part, the two brands are similar in their average rates for auto insurance.
Are there any discounts available specifically for Audi owners?
Some insurance providers offer discounts or incentives specifically for Audi owners. These discounts could be related to vehicle safety features, low mileage, or affiliation with certain Audi clubs or organizations. It’s advisable to inquire with different insurance companies to explore any potential discounts available for your Audi model.
Is it worth considering specialized insurance for my Audi?
Depending on the value and specific features of your Audi, you might consider specialized insurance options. Some insurance providers offer policies tailored specifically for luxury or high-performance vehicles like Audis. These policies may provide additional coverage and benefits that are relevant to your Audi, but it’s important to evaluate the costs and coverage details to determine if it’s the right choice for you.
What is the cheapest Audi to insure?
The Audi A3 is the cheapest to insure, as it costs an average of $140 per month for a full coverage auto insurance policy.
What is the average insurance for an Audi?
The average Audi auto insurance cost for a full coverage insurance policy is $180/mo.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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.