Audi's insurance costs about $49 monthly for minimum coverage and $161 for full coverage. The automaker ranks 16th for minimum coverage and 20th for full coverage in our affordability study.
Audi Car Insurance
Updated: May 5, 2026
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Key Takeaways
State Farm and GEICO offer the best and cheapest overall car insurance for Audi vehicles with rates starting at $35 monthly.
Audi auto insurance costs range from $411 to $3,269 annually for most drivers, but this can depend on various factors like age, model and coverage type chosen.
Audi car insurance is generally more expensive than most top automotive brands, ranking 20th out of 23 automakers we studied for both minimum and full coverage.
How Much Is Audi Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $49 | $587 | 16th |
Full Coverage | $161 | $1,937 | 20th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models.
Audi Car Insurance Cost by Model
Audi insurance rates vary more by model than you might expect. The R8 is the priciest to insure at $65 per month for minimum coverage and $289 for full coverage. At the other end, the Q7 runs $48 per month for minimum and $148 for full coverage, a $141 monthly difference between the two.
Compare car insurance rates by vehicle:
*Rates are for a 40-year-old driver with good credit and a clean driving record, based on model years 2012 to 2022. The Audi TT was excluded because it has been discontinued.
See our list of Audi car insurance rates by model:
Audi Car Insurance Cost by Model Year
Data filtered by:
2009
Audi A3
| Audi A3 | 2009 | $591 | $1,230 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Audi Car Insurance Cost by Age
Audi insurance can range from $588 to $3108 annually, with your age and chosen coverage level being key factors. Teens typically pay the highest costs, but as you approach 60, rates tend to get more affordable. Beyond 60, expect a modest uptick in premiums.
Data filtered by:
16
| 16 | $3,108 | $8,511 |
*Rates are for a driver with good credit and no driving violations.
Is Audi Insurance Expensive?
Audi's high-value vehicles and pricey parts can make them more expensive to insure than other brands. According to a LendingTree study, Audi drivers also ranked high for on-road incidents, which may affect insurance premiums. For these reasons, like many other luxury vehicles, Audi vehicles cost much more to insure, ranking 16th for minimum coverage and 20th for full coverage in terms of affordability.
How Expensive Is Audi Insurance Compared to Similar Vehicles?
Rates for a 2024 Audi A4 fall in the middle compared to luxury sedans with similar MSRPs. Full and minimum coverage costs align with other luxury sedans in the same class. California, Hawaii and Massachusetts prohibit insurers from using age as a rating factor. Insurers in these states focus on your driving record, vehicle type and location to set rates.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$48,045 | $583 | $1,971 | |
$49,380 | $623 | $2,189 | |
$48,970 | $549 | $1,729 | |
$53,045 | $611 | $1,937 |
Cheapest Audi Car Insurance Companies
State Farm offers the cheapest car insurance for Audi vehicles, with average monthly rates of $35 for minimum coverage and $120 for full coverage. GEICO, Travelers, Progressive and Nationwide also provide competitive rates for Audi owners.
| State Farm | $35 | $120 |
| GEICO | $36 | $131 |
| Travelers | $42 | $144 |
| Progressive | $46 | $143 |
| Nationwide | $51 | $143 |
Cheapest Car Insurance by Model
State Farm provides the lowest rates for the Audi A4, Q5 and A6. GEICO offers the best rates for the Audi A3.
Cheapest Audi Car Insurance by Model Year
Compare the most affordable rates for your Audi model and year.
Data filtered by:
Audi A3
2009
| State Farm | $411 | $976 |
| GEICO | $426 | $1,004 |
| Travelers | $526 | $1,202 |
| Nationwide | $549 | $1,266 |
| Progressive | $570 | $1,350 |
Cheapest Audi Car Insurance by Age
Audi insurance rates shift with age. State Farm offers the lowest rates overall, ranging from $53 per month for older drivers to $821 per month for young drivers. The five most affordable insurers for each age group are listed below.
Data filtered by:
40
| State Farm | $474 | $1,443 |
| GEICO | $489 | $1,566 |
| Travelers | $566 | $1,731 |
| Progressive | $630 | $1,721 |
| Nationwide | $716 | $1,714 |
Best Car Insurance for Audi Vehicles
State Farm, GEICO, Travelers, Nationwide and Progressive are the top five insurers for Audi drivers based on MoneyGeek's analysis of rates, coverage options and customer satisfaction scores.
| State Farm | 90.08 |
| GEICO | 88.36 |
| Travelers | 87.01 |
| Nationwide | 85.55 |
| Progressive | 84.81 |
State Farm: Best for Most Audi Drivers
pros
High customer satisfaction ratings
Lowest rates for most Audi drivers
Multiple discounts for young drivers
cons
Limited coverage add-on options
COMPANY HIGHLIGHTS
For Audi vehicles, State Farm stands out with the cheapest rates overall for their vehicles, with the lowest possible premiums for most models, regardless of driver profile. However, where the company stands out most is its better-than-average customer service and claims satisfaction, ranking sixth overall for claims and within the top 5 for overall satisfaction in 42 out of 52 states. They also offer particularly attractive discounts for drivers under 25 with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for Audi Q5 Owners
pros
Most affordable rates for Audi Q5 owners
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
Expensive rates for most other Audi models
COMPANY HIGHLIGHTS
While State Farm was the most affordable for most other Audi models, GEICO stands out for Q5 owners with the lowest rates according to our study. Out of all of the providers on our list, GEICO also offers the most extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%. For those in New England, Texas and New York the company ranks within the top 5 for overall customer satisfaction and 2nd nationwide for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
Nationwide: Best Car Insurance Coverage Options for Audi Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Audi vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
Nationwide ranks among the top three most affordable options for full coverage on Audi vehicles, though minimum coverage rates are higher. Nationwide offers SmartMiles, a pay-per-mile insurance program ideal for low-mileage drivers, and the Vehicle Value Upgrade add-on, which replaces a totaled car with a new one of comparable value. Nationwide leads in customer satisfaction for usage-based insurance. Its SmartRide program earned top marks from J.D. Power and offers discounts up to 40%, the highest available.
How to Find the Best Cheap Car Insurance Company for Your Audi
- 1Assess Your Needs
Determine your coverage needs, deductible comfort level and any optional coverages you want. Use our car insurance coverage needs calculator for personalized recommendations.
- 2Research average costs and discounts
Research your car's insurance costs to understand potential savings when comparing quotes.
- 3Compare multiple providers
Get quotes from several insurers. Compare coverage types, deductibles and limits to find the best fit.
Audi Auto Insurance Cost: Bottom Line
Audi insurance ranks 20th for full coverage and 16th for state minimum in the U.S. Affordable state minimum options are available. Compare rates from multiple insurers to find the best deal.
Audi Car Insurance: FAQ
Which insurance company is the cheapest for Audi?
State Farm offers the cheapest Audi car insurance, followed by GEICO and Travelers.
How much is Audi car insurance?
Audi car insurance costs $1,937 annually for full coverage and $587 annually for state minimum coverage. Monthly rates are $161 for full coverage and $49 for minimum coverage.
Is car insurance on an Audi more expensive?
Audi is a luxury brand, and its vehicles cost more to insure than non-luxury cars. Higher repair costs and advanced technology components both push premiums up.
Which Audi model is the cheapest to insure?
The Audi A3 has the lowest insurance rates of any Audi model. At $592 per year for minimum coverage and $1,500 for full coverage, its lower market value and repair costs keep premiums down.
How We Determined Audi Auto Insurance Costs
We calculated Audi insurance costs using data from Quadrant Information Services for a 40-year-old driver with good credit, no driving violations and 12,000 miles driven annually. Minimum coverage rates reflect state requirements. Full coverage includes a 100/300/100 liability split with comprehensive and collision coverage and a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Audis
MoneyGeek scored insurers using five weighted factors:
- Customer satisfaction (35%): J.D. Power's study and the NAIC complaint index
- Affordability (30%): Rates from Quadrant Information Services
- Claims (20%): J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): AM Best financial strength ratings
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile, male, 40 years old, single, clean record, adjusted for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to others' property
- Full coverage: Includes comprehensive (fire, weather) and collision (accidents) insurance with a $1,000 deductible
- Deductibles: The out-of-pocket amount you pay before insurance covers the rest
The term 100/300/100 means $100,000 bodily injury liability per person, $300,000 per accident and $100,000 in property damage liability.
Learn more about MoneyGeek's methodology.
Data Sources
- AM Best: Financial strength ratings
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
Sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.