Audi e-tron Insurance Cost

Audi e-tron insurance costs average $1,822 yearly for minimum coverage and $3,577 for full coverage, with rates starting at $112 monthly.

See if Audi e-tron insurance is costing you too much. Save up to $694 a year by clicking below.

Written by Mark Fitzpatrick

Updated: November 1, 2026

Key Takeaways

The Hartford offers the cheapest insurance rates on average for Audi e-tron owners, though full coverage still averages $298 monthly and varies by model year and insurer. Read more

The e-tron ranks 212th out of 256 SUVs for insurance affordability, placing it in the expensive tier even among SUVs. SUVs cost more to insure due to higher repair costs and increased theft risk. Read more

Check costs for your e-tron model year with MoneyGeek's analysis of rates by company, especially if you're adding a teen driver to your policy.

How Much Is Audi e-tron Insurance?

Newer Audi e-trons cost more to insure than older models due to their higher market values. You'll pay around $392 per month for 2024 models, compared to $112 per month for older e-trons.

Costs vary by model year and company. Full coverage for an Audi e-tron spans $191 monthly with The Hartford to higher rates with AIG, while minimum coverage goes from $112 with The Hartford to $227 with Farmers.

Rate variations exceeding $115 for minimum coverage and $329 for full coverage show why e-tron owners need to shop around. Each company calculates model-specific risk differently, which affects your final rate.


2024	$194	$381
2023	$184	$363
2022	$159	$314
2021	$126	$246
2020	$135	$265
2019	$112	$219


AAA	$166	$348
AIG	$207	$520
Allstate	$202	$392
Amica	$199	$409
Chubb	$189	$381
Farmers	$227	$399
Geico	$120	$263
Kemper	$122	$251
Nationwide	$157	$273
Progressive	$143	$269
State Farm	$125	$263
The Hartford	$112	$191
Travelers	$112	$209
UAIC	$166	$209

Is Audi e-tron Expensive to Insure?

MoneyGeek's analysis of 256 SUVs ranks the Audi e-tron 212th for affordability, with 211 cheaper options to insure. Monthly premiums run a few dollars more than a Lamborghini Urus and slightly less than an Audi RS Q8.

At 732nd out of 827 total vehicles, the e-tron is among the most expensive cars to insure overall. Among SUVs, the Isuzu Amigo has the cheapest insurance. The Audi SQ8 e-tron has the highest.


Cadillac Lyriq-V	$217	209
Audi SQ8	$224	210
Lamborghini Urus	$225	211
Audi e-tron	$225	212
Audi RS Q8	$226	213
Lotus Eletre	$229	214
Maserati Grecale	$234	215

A few factors shape your Audi e-tron insurance rate:

Average Repair or Replacement Costs: At $1,597 in annual repair costs, the e-tron ranks 14th most budget-friendly among Audi's 33 models.
Vehicle Trim, Features and Accessories: Horsepower ranges from 355 to 602 across trims, which affects your premiums. Higher-output variants cost more to insure because of the added risk they carry.
Driver Profile: Most e-tron owners are between 35 and 55, with a median age of around 45. Insurers often assign better risk profiles to that age group, though the vehicle's performance reputation draws more aggressive drivers. Read more about the costs of Audi e-trons for young drivers.

Audi e-tron Insurance Cost by State

Car insurance for an Audi e-tron ranges from $68 a month in Wyoming to $297 in Louisiana for minimum coverage.


Alabama	$137	$265
Alaska	$111	$238
Arizona	$168	$316
Arkansas	$140	$311
California	$141	$283
Colorado	$143	$344
Connecticut	$200	$349
Delaware	$191	$319
Florida	$150	$357
Georgia	$192	$322
Hawaii	$75	$173
Idaho	$86	$177
Illinois	$145	$274
Indiana	$97	$191
Iowa	$104	$249
Kansas	$123	$287
Kentucky	$179	$307
Louisiana	$297	$623
Maine	$89	$187
Maryland	$232	$396
Massachusetts	$152	$327
Michigan	$240	$471
Minnesota	$133	$284
Mississippi	$142	$284
Missouri	$204	$401
Montana	$134	$319
Nebraska	$116	$263
Nevada	$217	$395
New Hampshire	$121	$215
New Jersey	$217	$362
New Mexico	$117	$260
New York	$158	$285
North Carolina	$118	$234
North Dakota	$112	$247
Ohio	$114	$224
Oklahoma	$147	$327
Oregon	$153	$268
Pennsylvania	$155	$364
Rhode Island	$194	$349
South Carolina	$138	$261
South Dakota	$97	$311
Tennessee	$124	$250
Texas	$173	$354
Utah	$138	$237
Vermont	$86	$204
Virginia	$142	$228
Washington	$127	$239
West Virginia	$142	$291
Wisconsin	$111	$244
Wyoming	$68	$205

Audi e-tron Costs by Model Year and Insurance Company

Newer Audi e-tron models cost more to insure than older ones, and driver age also affects your premiums. A 35 to 55-year-old driver with a 2019 Audi e-tron pays around $238 a month for full coverage, while the same driver pays $383 for a 2024 model. Young drivers in their teens and early 20s will pay much more to insure an e-tron regardless of the model year.

The Hartford offers the lowest rates across all Audi e-tron model years and can save certain drivers hundreds of dollars a month compared to average costs.

2024 Audi e-tron Insurance Rates
2023 Audi e-tron Insurance Rates
2022 Audi e-tron Insurance Rates
2021 Audi e-tron Insurance Rates

Older models (2019 and 2020):

Cost of Car Insurance for 2024 Audi e-tron


The Hartford	$115	$196
Kemper	$127	$262
Travelers	$137	$255
State Farm	$148	$313
National General	$155	$318
Geico	$158	$346
UAIC	$179	$226
Progressive	$186	$351
Nationwide	$198	$345
AAA	$206	$433
Chubb	$239	$484
AIG	$259	$655
Allstate	$259	$504
Amica	$263	$541
Farmers	$295	$519

Cost of Car Insurance for 2023 Audi e-tron


The Hartford	$109	$186
Kemper	$121	$249
Travelers	$131	$243
State Farm	$141	$298
National General	$148	$302
Geico	$150	$329
UAIC	$171	$215
Progressive	$177	$334
Nationwide	$188	$328
AAA	$196	$412
Chubb	$228	$461
AIG	$247	$623
Allstate	$247	$480
Amica	$250	$515
Farmers	$281	$494

Cost of Car Insurance for 2022 Audi e-tron


The Hartford	$95	$161
Kemper	$105	$216
Travelers	$113	$210
State Farm	$122	$258
National General	$128	$262
Geico	$130	$285
UAIC	$148	$186
Progressive	$154	$289
Nationwide	$163	$284
AAA	$170	$357
Chubb	$197	$399
AIG	$213	$539
Allstate	$214	$415
Amica	$217	$446
Farmers	$243	$428

Cost of Car Insurance for 2021 Audi e-tron


Geico	$95	$206
Travelers	$100	$185
National General	$103	$210
Progressive	$114	$213
State Farm	$115	$242
The Hartford	$123	$210
Kemper	$133	$272
Nationwide	$133	$231
AAA	$144	$299
Amica	$155	$318
Chubb	$158	$318
Allstate	$166	$320
UAIC	$173	$218
AIG	$176	$439
Farmers	$183	$319

Cost of Car Insurance for 2020 Audi e-tron


Geico	$102	$222
Travelers	$107	$199
National General	$110	$226
Progressive	$123	$229
State Farm	$124	$260
The Hartford	$132	$226
Kemper	$143	$293
Nationwide	$143	$248
AAA	$155	$322
Amica	$167	$342
Chubb	$171	$342
Allstate	$178	$345
UAIC	$187	$235
AIG	$189	$473
Farmers	$197	$344

Cost of Car Insurance for 2019 Audi e-tron


Geico	$84	$184
Travelers	$89	$165
National General	$91	$187
Progressive	$101	$190
State Farm	$103	$215
The Hartford	$110	$187
Kemper	$118	$243
Nationwide	$118	$206
AAA	$129	$267
Amica	$138	$283
Chubb	$141	$284
Allstate	$148	$286
UAIC	$155	$195
AIG	$157	$391
Farmers	$163	$285

Audi e-tron Insurance Cost by Trim

Insurance costs for your Audi e-tron range from $126 monthly for minimum coverage on Prestige Sport Utility 4d models to $392 for full coverage on high-performance Chronos Sport Utility 4d variants.


Prestige Sport Utility 4d	$126	$246
Premium Sport Utility 4d	$137	$269
Premium Plus Sport Utility 4d	$137	$269
Sportback Premium Plus Sport Utility 4d	$144	$283
Sportback Premium Sport Utility 4d	$154	$303
Sportback Prestige Sport Utility 4d	$173	$339
Chronos Sport Utility 4d	$199	$392

How to Lower the Cost of Audi e-tron Insurance

Use these strategies to find better rates on your Audi e-tron insurance:

1
Choose the right coverage
Start with the right coverage level for your situation. If you own your Audi e-tron outright, state minimum liability plus comprehensive and collision with a $1,000 deductible is a solid baseline. For broader coverage, move to 100/300/100 liability with a $500 deductible. If you're financing or leasing, you'll need 100/300/100 liability, comprehensive and collision at a $500 deductible and gap insurance.
2
Research costs and cheap companies
Research average auto insurance costs for luxury electric vehicles so you know what a fair rate looks like. That baseline helps you identify which insurers offer the most competitive rates for your Audi e-tron.
3
Look for more than just low rates
Low rates don't tell the whole story. Before you commit, check J.D. Power satisfaction ratings, forum feedback on claims and AM Best financial stability scores to find insurers that perform well on price and service. Budget insurers sometimes offer limited coverage or slower claims service, which matters when repairs involve luxury EV parts.
4
Explore discounts you qualify for
Audi e-tron owners often qualify for safety features discounts, good driver rewards and electric vehicle discounts. Many insurers also offer multi-policy savings when you bundle auto coverage with homeowners or renters insurance.
5
Consider alternative car insurance types
Usage-based programs like Progressive Snapshot or Allstate Drivewise can lower your premiums based on how safely you drive. Low-mileage e-tron drivers can see additional savings through these programs since less time on the road means lower risk scores.
6
Check rates every year
Get car insurance quotes from multiple companies every year. Your insurer won't alert you when a competitor lowers prices, but annual comparisons can save up to 24% on your Audi e-tron coverage.

Audi e-tron Insurance Cost: Bottom Line

Audi e-tron insurance costs more than average, but the right insurer and coverage level can bring your rate down. Compare quotes from multiple insurers, maximize discounts and choose a deductible that fits your budget.

Audi e-tron Insurance Rates: FAQ

The Audi e-tron averages $1,822 a year ($152 a month) for minimum coverage and $3,577 a year ($298 a month) for full coverage.

The Hartford provides the most affordable minimum coverage for an Audi e-tron at $1,343 annually. For full coverage, The Hartford also offers the best value at $2,289 a year.

Yes, Audi e-tron insurance is more expensive than most vehicles. Among SUVs specifically, this model ranks 212th out of 256 for affordability, but sits at 732nd out of 827 across all vehicle types we track.

Your Audi e-tron insurance rate reflects the vehicle's high-tech electric components and specialized repair requirements. Driving history, credit score, coverage levels, location and annual mileage all affect your final rate.

Compare quotes from several insurers since Audi e-tron pricing differs between companies, and look into usage-based programs that reward safe driving. Maximize discounts, bundle policies and keep your driving record clean to get better rates.

How We Determined Audi e-tron Insurance Costs

We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Audi e-tron insurance costs.

Who We Based These Rates On

These Audi e-tron rates reflect what an average driver pays:

Age 40, unmarried male
Clean record: no tickets or crashes
Credit score in the good range
No prior insurance claims
About 12,000 miles a year
Valid license, no suspensions

Coverage Definitions

Minimum coverage: State-required liability limits
Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles

About Mark Fitzpatrick

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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