Audi TT insurance costs average $89 per month for minimum coverage and $173 monthly for full coverage. Depending on your particular trim and model year, costs can range from $45 to $313 monthly.
Audi TT Insurance Cost
Updated: December 4, 2025
Key Takeaways
Audi TT insurance costs vary widely from $65 to $313 monthly depending on your specific model year and trim level.
The TT ranks 313th for insurance affordability among 827 vehicle models available in the US automotive market through 2025.
Travelers offers the most affordable Audi TT full coverage at $130 monthly, while minimum coverage starts around $65 per month.
How Much Is Audi TT Insurance?
| Audi Tt | $89 | $173 |
Audi TT Insurance Cost by Model Year
Your Audi TT's model year and available trims affect your insurance rates, with newer vehicles costing more due to higher replacement values. Monthly insurance costs range from $52 for older models to $230 for the newest TT variants.
| 2023 | $117 | $230 |
| 2022 | $113 | $222 |
| 2021 | $104 | $205 |
| 2020 | $96 | $189 |
| 2019 | $87 | $171 |
| 2018 | $110 | $215 |
| 2017 | $116 | $228 |
| 2016 | $110 | $216 |
| 2015 | $112 | $219 |
| 2014 | $105 | $204 |
| 2013 | $109 | $211 |
| 2012 | $100 | $193 |
| 2011 | $86 | $167 |
| 2010 | $82 | $158 |
| 2009 | $81 | $157 |
| 2008 | $56 | $108 |
| 2006 | $64 | $123 |
| 2005 | $74 | $143 |
| 2004 | $67 | $130 |
| 2003 | $67 | $128 |
| 2002 | $65 | $124 |
| 2001 | $62 | $119 |
| 2000 | $52 | $100 |
Audi TT Insurance Cost by Trim
Your Audi TT's specific trim affects insurance costs based on performance features, market value and replacement expenses. Monthly premiums range from $56 for basic trims to $296 for high-performance RS models, creating substantial budget differences for owners.
| 3.2 Quattro Coupe 2d | $56 | $108 |
| Quattro Special Ed Roadster 2d | $57 | $110 |
| Roadster 2d | $64 | $123 |
| Quattro Premium Coupe 2d | $65 | $126 |
| 180 Coupe 2d | $66 | $126 |
| Premium Coupe 2d | $67 | $130 |
| 225 Alms Commemorative Ed Cpe 2d | $68 | $130 |
| 3.2 Quattro Roadster 2d | $69 | $133 |
| 225 Quattro Roadster 2d | $71 | $137 |
| 225 Quattro Coupe 2d | $72 | $138 |
| Quattro Premium Plus Coupe 2d | $74 | $143 |
| Premium Convertible 2d | $76 | $146 |
| Coupe 2d | $78 | $151 |
| Quattro Special Ed Coupe 2d | $78 | $151 |
| Quattro Premium Convertible 2d | $79 | $153 |
| Quattro Coupe 2d | $82 | $158 |
| Quattro Roadster 2d | $84 | $164 |
| Tts Quattro Premium Coupe 2d | $86 | $166 |
| Quattro Premium Plus Roadster 2d | $88 | $170 |
| 3.2 Quattro Premium Plus Coupe 2d | $91 | $175 |
| 3.2 Quattro Premium Plus Convertible 2d | $92 | $178 |
| Quattro Prestige Roadster 2d | $93 | $180 |
| Tts Quattro Premium Convertible 2d | $93 | $181 |
| Tts Quattro Premium Plus Coupe 2d | $98 | $189 |
| Convertible 2d | $100 | $195 |
| Tts Quattro Premium Plus Roadster 2d | $103 | $200 |
| Quattro Prestige Coupe 2d | $105 | $203 |
| Tts Quattro Roadster 2d | $105 | $206 |
| Tts Coupe 2d | $105 | $207 |
| Tts Quattro Prestige Coupe 2d | $111 | $214 |
| Tts Quattro Coupe 2d | $113 | $220 |
| Tts Quattro Prestige Roadster 2d | $120 | $231 |
| Rs Coupe 2d | $125 | $246 |
| Final Edition Convertible 2d | $129 | $253 |
| Rs Quattro Coupe 2d | $153 | $296 |
Audi TT Insurance Cost by Company
Audi TT insurance costs vary by provider from $103 to $207 monthly. Minimum coverage ranges from $65 to $132, while full coverage costs $130 to $294. Rates vary due to different risk assessment models.
| GEICO | $65 | $141 |
| Travelers | $70 | $130 |
| State Farm | $76 | $159 |
| Kemper | $80 | $165 |
| Progressive | $82 | $153 |
| The Hartford | $83 | $142 |
| Nationwide | $85 | $148 |
| AAA | $103 | $214 |
| Chubb | $111 | $221 |
| Amica | $116 | $237 |
| AIG | $121 | $294 |
| Farmers | $130 | $227 |
| UAIC | $132 | $163 |
| Allstate | $132 | $255 |
Audi TT Insurance Cost by State
Audi TT car insurance varies by location, ranging from $39 monthly in Wyoming to $185 in Louisiana for minimum coverage.
| Alabama | $75 | $143 |
| Alaska | $67 | $143 |
| Arizona | $101 | $190 |
| Arkansas | $70 | $154 |
| California | $84 | $171 |
| Colorado | $83 | $198 |
| Connecticut | $120 | $206 |
| Delaware | $120 | $202 |
| Florida | $101 | $232 |
| Georgia | $123 | $204 |
| Hawaii | $49 | $111 |
| Idaho | $48 | $98 |
| Illinois | $82 | $155 |
| Indiana | $57 | $112 |
| Iowa | $51 | $124 |
| Kansas | $65 | $150 |
| Kentucky | $108 | $184 |
| Louisiana | $185 | $390 |
| Maine | $48 | $99 |
| Maryland | $128 | $217 |
| Massachusetts | $93 | $198 |
| Michigan | $137 | $270 |
| Minnesota | $76 | $160 |
| Mississippi | $78 | $155 |
| Missouri | $105 | $209 |
| Montana | $66 | $158 |
| Nebraska | $68 | $154 |
| Nevada | $142 | $257 |
| New Hampshire | $64 | $113 |
| New Jersey | $141 | $233 |
| New Mexico | $71 | $158 |
| New York | $100 | $181 |
| North Carolina | $71 | $141 |
| North Dakota | $59 | $127 |
| Ohio | $65 | $125 |
| Oklahoma | $80 | $178 |
| Oregon | $100 | $175 |
| Pennsylvania | $80 | $186 |
| Rhode Island | $110 | $197 |
| South Carolina | $85 | $159 |
| South Dakota | $51 | $161 |
| Tennessee | $68 | $138 |
| Texas | $110 | $225 |
| Utah | $87 | $148 |
| Vermont | $44 | $105 |
| Virginia | $84 | $136 |
| Washington | $77 | $144 |
| West Virginia | $82 | $166 |
| Wisconsin | $57 | $125 |
| Wyoming | $39 | $119 |
Audi TT Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, impacts Audi TT insurance costs. Young drivers under 25 with clean records pay around $330 monthly, while adults aged 26-64 without violations pay approximately $131 monthly for the same coverage.
| Adult Drivers | $89 | $173 |
| Young Drivers | $225 | $434 |
| Senior Drivers | $119 | $218 |
| Drivers With a Speeding Ticket | $111 | $217 |
| Drivers With an Accident | $131 | $253 |
| Drivers With a DUI | $166 | $319 |
| Drivers With Bad Credit | $211 | $427 |
Is a Audi TT Expensive to Insure?
You might be concerned about Audi TT insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, a Audi TT ranks 313th out of 827, making it one of the more expensive cars to insure. Among subcompact luxury convertibles, the model is the cheapest out of four similar models.
| Audi TT | $86 | $167 |
| Bmw 1-series | $93 | $180 |
| Bmw 2-series | $103 | $202 |
| Bmw M8 | $133 | $262 |
Factors That Affect Audi Car Insurance Costs
Several factors affect what you'll pay for Audi TT insurance coverage:
- Age (mixed demographics): Attracts both younger professionals (25 to 40) seeking affordable luxury and older buyers (50+) who appreciate the design-focused approach.
- Gender (more balanced): Unlike most sports cars, the TT has a stronger female appeal due to its emphasis on style over raw performance.
- Income ($50,000-$120,000): Entry-level luxury buyers with moderate to high incomes who prioritize design and brand prestige.
- Professions: Engineers, artists, designers, and young professionals who value the TT's distinctive aesthetic and accessible luxury positioning.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi TT repair costs average $1,273 annually, making it Audi TT's most affordable model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The TT's 2.0L turbocharged engine (180 to 300+ hp depending on variant) and sport-tuned suspension create moderately increased insurance costs compared to mainstream vehicles.
The TTS and TTRS variants with higher performance capabilities fall into insurance groups 32 to 45, making them more expensive to insure. Advanced features like quattro all-wheel drive, DSG transmission, and premium materials contribute to higher repair costs.
Fuel Type
The TT's efficient 2.0L turbocharged gasoline engine provides better fuel economy than larger displacement sports cars, helping to moderate insurance costs. The lightweight body design reduces strain on brakes and suspension components, lowering long-term maintenance expenses.
Unlike high-performance exotics requiring premium fuel and specialized maintenance, the TT's proven engine architecture allows for more accessible service at most certified Audi technicians.
Location
TT owners concentrate in affluent urban areas. Major metropolitan areas like Los Angeles ($3,472 annually), Atlanta, and other cities with strong professional demographics see higher TT ownership.
These locations have elevated insurance rates due to higher accident frequency, increased theft risk for luxury vehicles and costlier repair facilities.
Driver Profile
The Audi TT attracts a unique demographic blend, including design professionals, younger luxury buyers and style-conscious drivers. Based on forum data and insurance demographics:
How to Lower the Cost of Audi TT Insurance
Below you'll find a comprehensive breakdown of available car insurance discounts for your Audi TT:
- 1Choose the right coverage
Choosing the right car insurance coverage comes down to what your Audi is worth, how often you drive and what you can afford. Your options range from minimum liability with a $1,000 deductible on a tight budget to 100/300/100 liability with a $500 deductible, plus gap coverage if you’re financing or leasing.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Audi TT, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Audi TT owners can unlock solid savings by stacking discounts tied to multiple vehicles, bundling, clean driving records, low annual mileage and built-in safety features. Because many TT drivers are homeowners with other cars, mature driving habits and weekend-only usage, these discounts line up well and can drop premiums fast.
- 5Consider alternative car insurance types
Audi TT owners should consider Audi Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Audi TT insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi TT Insurance Cost: Bottom Line
Insuring an Audi TT costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi TT Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi TT.
What is the average cost of car insurance for a Audi TT?
Audi TT insurance costs average $89 per month for minimum coverage and $173 monthly for full coverage. Depending on your particular trim and model year, costs can range from $45 to $313 monthly.
What company has the cheapest car insurance for a Audi TT?
TT drivers can find the cheapest full coverage car insurance from Travelers at $130 monthly. For minimum coverage policies, GEICO offers the cheapest rates at $65 per month.
Are Audi TTs expensive to insure?
Audi TT insurance can get expensive, but it's around average according to our study. Out of 827 vehicles we track, the TT ranks 313th for affordability. Among subcompact luxury convertibles, it's the cheapest model.
What factors affect insurance costs for Audi TTs?
Several things drive up your Audi TT rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too.
How can I lower Audi TT insurance costs?
Shop around with multiple insurers as rates vary, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety and technology features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi TT Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Audi TT insurance costs.
Who We Based These Rates On
These Audi TT prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
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 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.