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: June 18, 2025
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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
Through our research, we found the most expensive Audi model to insure is the Audi R8, with average monthly rates of $65 for minimum coverage and $289 for full coverage. The Audi Q7 is the most affordable to insure, costing around $48 per month for minimum coverage and $148 for full coverage.
| Audi E Tron | $626 | $1,920 |
| Audi A4 | $621 | $1,675 |
| Audi Q5 | $597 | $1,527 |
| Audi R8 | $757 | $3,068 |
| Audi Q7 | $620 | $1,644 |
| Audi A3 | $592 | $1,500 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Audi Car Insurance Cost by Model Year
Typically, we've found that the pricier and newer your car is, the higher your insurance costs will be. Conversely, older, less expensive cars tend to have lower premiums. Below, compare insurance costs for your Audi vehicle by model and year.
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Model Year:2009
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Audi Model: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 face the highest costs, but as you approach 60, rates tend to get more affordable. Beyond 60, expect a modest uptick in premiums. Check out the table below to see how age influences your Audi insurance costs.
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Age: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?
To put into perspective how expensive Audi is compared to other similar models, we've compared rates for a 2024 Audi A4 to comparable luxury sedans in terms of MSRP. We found that while full and minimum coverage rates are similar, nearing the middle of the pack when compared to other luxury sedans of the same class. In states like California, Hawaii, or Massachusetts, car insurers can't charge based on age. They focus on things like your driving record, car type, and where you live to set prices.
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
The cheapest overall car insurance company for Audi vehicles is State Farm, with average monthly rates of $35 for minimum coverage and $120 for full coverage. Not far behind are GEICO, Travelers, Progressive, and Nationwide, all offering affordable rates for protecting your Audi.
| State Farm | $35 | $120 |
| GEICO | $36 | $131 |
| Travelers | $42 | $144 |
| Progressive | $46 | $143 |
| Nationwide | $51 | $143 |
Cheapest Car Insurance by Model
While the above companies offer the most affordable minimum coverage, State Farm provides the lowest rates for the Audi A4, Q5, and A6. GEICO, however, is the top choice for the Audi A3.
| Audi A3 | State Farm | $35 | $97 |
| Audi A4 | State Farm | $35 | $107 |
| Audi E Tron | GEICO | $37 | $127 |
| Audi Q5 | State Farm | $35 | $101 |
| Audi Q7 | State Farm | $35 | $111 |
| Audi R8 | Progressive | $50 | $165 |
Cheapest Audi Car Insurance by Model Year
Discover the most affordable Audi car insurance tailored to your model and year in the table below.
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Model:Audi A3
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Model Year: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
The lowest overall Audi Insurance rates by age vary anywhere from $53 per month to $821 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Audi vehicles.
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Age: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
From our research, we found that the best overall companies to insure your Audi with are State Farm, GEICO, Travelers, Nationwide, and Progressive. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 90 |
| GEICO | 88 |
| Travelers | 87 |
| Nationwide | 86 |
| Progressive | 85 |
State Farm: Best for Most Audi Drivers
pros
High customer satisfaction ratings
Lowest rates for most Audi drivers
Extensive discounts for young drivers
cons
Smaller coverage add-on selection
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
While Nationwide may not offer the lowest rates for minimum coverage on Audi vehicles, it consistently ranks among the top three most affordable options for full coverage policies. What sets the company apart are its unique offerings: 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 also leads in customer satisfaction for usage-based insurance, with its SmartRide program earning top marks from J.D. Power and offering discounts of up to 40%, the highest available nationwide.
How to Find the Best Cheap Car Insurance Company for Your Audi
Discover how to find affordable Audi insurance and save money on your policy.
- 1
Assess Your Needs
Determine the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Investigate the costs associated with insuring your car to establish a baseline of potential savings when evaluating insurer quotes.
- 3
Compare multiple providers
Collect quotes from various insurers, ensuring a consistent comparison by checking coverage types, deductibles, and limits. Look at the overall offerings of the companies to examine their suitability for your needs.
Audi Auto Insurance Cost: Bottom Line
Audi insurance ranks 20th for full coverage and 16th for state minimum in the U.S., signaling higher costs. Yet, affordable state minimum options exist. It's wise to compare rates from various providers for the best deal.
Audi Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Audi car insurance.
Which insurance company is the cheapest for Audi?
The most affordable providers for Audi car insurance are State Farm, followed by GEICO and Travelers.
How much is Audi car insurance?
Audi car insurance costs on average $1,937 annually for full coverage and $587 annually for state minimum coverage. Monthly, you're looking at about $161 for full coverage and roughly $49 for minimum coverage.
Is car insurance on an Audi more expensive?
Insuring an Audi tends to be costlier due to its classification as a luxury brand with high-end vehicles. These cars often have advanced technology and performance features which can increase the insurance premium.
Which Audi model is the cheapest to insure?
Overall, the Audi A3 is the cheapest Audi model to insure, primarily due to its lower market value and more cost-effective repair expenses.
How We Determined Audi Auto Insurance Costs
We calculated Audi insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Audis
To calculate the best car insurance for Audi vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- LendingTree. "Tesla, Ram, Subaru Have Worst Drivers, While Mercury, Pontiac, Cadillac Have Best." Accessed June 18, 2025.