Audi Insurance Rates

The average cost of car insurance for a Audi model is about $2,454 per year.

This is $387 worse than other luxury brands. Our car insurance comparison studies assume a 40 year old good driver with full coverage and good credit, that drives around 13,000 miles per year. Many things can contribute to the actual rates. These variables include vehicle, age, location, mileage, credit score, driving record and more. Below you will find a chart that illustrates some of these differences. The tables further down show how these factors impact Audi insurance rates.

Good Driver and Credit
Recent At-Fault Accident
Poor Credit Rating

These Audi insurance cost estimates are a result of our ongoing nationwide research and analysis, but they are only averages. We recommend that you let our trusted insurance partners do the shopping for you using our Competitive Quote Tool. While it's free to use, we do receive a small commission if you find a better deal.

Insurance Cost per Audi Model

Model Good Driver Recent Accident Poor Credit
Audi A3 Insurance Cost $1,960 $2,919 $3,450
Audi A4 Insurance Cost $2,010 $2,994 $3,540
Audi A5 Insurance Cost $2,209 $3,291 $3,890
Audi A5 Sportback Insurance Cost $2,255 $3,359 $3,971
Audi A6 Insurance Cost $2,348 $3,497 $4,134
Audi A7 Insurance Cost $2,730 $4,067 $4,807
Audi A8 Insurance Cost $3,176 $4,731 $5,593
Audi e-tron Insurance Cost $2,037 $3,034 $3,587
Audi Q3 Insurance Cost $1,732 $2,579 $3,049
Audi Q5 Insurance Cost $1,836 $2,735 $3,233
Audi Q7 Insurance Cost $2,083 $3,103 $3,668
Audi Q8 Insurance Cost $2,442 $3,637 $4,299
Audi R8 Insurance Cost $4,016 $5,982 $7,071
Audi S4 Insurance Cost $2,452 $3,651 $4,316
Audi S5 Insurance Cost $2,520 $3,754 $4,437
Audi S6 Insurance Cost $2,942 $4,383 $5,181
Audi S8 Insurance Cost $3,656 $5,446 $6,438
Audi SQ5 Insurance Cost $2,051 $3,055 $3,612
Audi TT Insurance Cost $2,356 $3,509 $4,148
Audi TTS Insurance Cost $2,272 $3,385 $4,001

The cost to insure an Audi model will differ significantly by the age of the driver. Younger drivers cost more to insure because they are much more likely to be at fault in an accident. That probability decreases dramatically by the time they turn 25 and so do the premiums. In fact, insurance cost by age continues to decline until after age 60, but the increases after are modest.

Credit plays a big role in premiums in most states. The under 25 crowd is far more likely to have very little credit established. The best way to mitigate this would be to join their family's multi-vehicle policy. Their rates will become more affordable as they age up and maintain a decent driving record. They can also build their credit at the same time. While paying car insurance doesn't improve credit on its own, using a credit card to so monthly can. As long as it's paid in full every billing cycle, of course. This is also an easy way to accumulate points on a rewards credit card as it's an expense required for every driver.

Insurance costs by age vary between brands based on resale values and safety ratings. If you're not set on an Audi, then see our insurance analysis and rankings for other makes and models here.

Audi Insurance Cost by Age

Age Good Driver Recent Accident Poor Credit
17 $8,313 $12,382 $14,637
18 $7,747 $11,540 $13,641
19 $6,847 $10,198 $12,055
20 $5,970 $8,892 $10,511
21 $5,006 $7,457 $8,815
22 $4,876 $7,262 $8,585
23 $4,266 $6,354 $7,512
24 $4,053 $6,037 $7,136
25 $3,498 $5,210 $6,158
30 $2,725 $4,058 $4,797
35 $2,552 $3,801 $4,493
40 $2,454 $3,656 $4,321
45 $2,388 $3,557 $4,205
55 $2,190 $3,262 $3,856
65 $2,285 $3,403 $4,023
75 $2,884 $4,295 $5,077

Audi auto insurance premiums can cost a lot more or less depending on where you live. Rates are more expensive in Michigan because they mandate much higher coverage levels. California, Hawaii and Massachusetts don't allow providers to adjust rates based on credit. These figures also do not include the potential discounts on a multi-vehicle policy. Those can provide significant savings to a household full of drivers. The table below is a breakdown of how these factors can affect Audi models by state.

Average Audi Insurance by State

State Good Driver Recent Accident Poor Credit
Alabama $2,600 $3,643 $4,559
Alaska $2,151 $3,133 $3,282
Arizona $2,432 $3,772 $5,378
Arkansas $2,666 $4,038 $4,517
California $2,968 $5,192 $2,968
Colorado $2,770 $3,835 $4,784
Connecticut $3,539 $5,471 $7,008
Delaware $2,930 $4,034 $5,355
Florida $3,488 $4,738 $6,177
Georgia $2,844 $4,383 $4,497
Hawaii $1,136 $1,568 $1,136
Idaho $1,974 $2,656 $3,307
Illinois $2,066 $3,054 $3,541
Indiana $2,122 $3,317 $3,871
Iowa $1,681 $2,522 $2,938
Kansas $2,236 $3,293 $3,900
Kentucky $3,233 $4,863 $5,720
Louisiana $4,150 $6,343 $6,829
Maine $1,569 $2,105 $3,072
Maryland $2,540 $3,724 $4,398
Massachusetts $2,037 $3,444 $2,037
Michigan $4,915 $7,389 $11,361
Minnesota $2,023 $2,718 $4,023
Mississippi $2,442 $3,689 $3,897
Missouri $2,301 $3,170 $4,099
Montana $2,340 $3,661 $4,038
Nebraska $1,978 $2,800 $3,185
Nevada $3,262 $4,924 $5,402
New Hampshire $2,269 $3,658 $4,658
New Jersey $2,500 $3,942 $5,085
New Mexico $2,553 $3,674 $4,126
New York $2,365 $3,080 $4,972
North Carolina $1,466 $2,367 $1,824
North Dakota $2,006 $3,088 $3,920
Ohio $1,789 $2,926 $3,031
Oklahoma $2,857 $4,289 $4,865
Oregon $2,599 $3,926 $4,504
Pennsylvania $2,190 $3,311 $3,800
Rhode Island $3,656 $5,610 $6,416
South Carolina $2,483 $3,593 $5,126
South Dakota $2,227 $3,065 $3,677
Tennessee $2,620 $3,918 $4,944
Texas $2,638 $3,883 $4,874
Utah $2,244 $3,245 $4,476
Vermont $1,728 $2,762 $3,020
Virginia $1,627 $2,450 $2,603
Washington $2,154 $3,237 $3,816
West Virginia $2,168 $3,157 $3,898
Wisconsin $2,161 $3,155 $3,831
Wyoming $2,017 $2,964 $3,314

Other Important Audi Ownership Costs

Insurance is a major vehicle related expense. There are also some others to be aware of. See our cost analyses on depreciation, maintenance and financing for all Audi models. These will provide you with even more knowledge before making such an important financial decision.

Ready to start shopping for an Audi? We have millions of new and used vehicles listed. Here are some Audi models for sale in your area.

Have more questions on our data or methodologies? Great, we're skeptics too. Here are some common questions and answers.