Newer Audi e-trons cost more to insure than older models due to their higher market values. You'll pay around $392 monthly for 2024 models compared to $112 for older e-trons.
Audi e-tron Insurance Cost
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?
Looking for another Audi model? Read more about the cost of Audi car insurance models.
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.
| 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.
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:
- 1Choose 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.
- 2Research 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.
- 3Look 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.
- 4Explore 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.
- 5Consider 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.
- 6Check 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
What is the average cost of car insurance for an Audi e-tron?
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.
What company has the cheapest car insurance for an Audi e-tron?
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.
Are Audi e-trons expensive to insure?
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.
What factors affect insurance costs for an Audi e-tron?
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.
How can I lower Audi e-tron insurance costs?
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, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.