Audi Car Insurance: Which Model and Insurer Are Cheapest?

Audi Car Insurance: Which Model and Insurer Are Cheapest?

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

The average cost to insure a 2022 Audi is $3,413 per year for a full-coverage policy, based on ValuePenguin research. But the price varies depending on which Audi model you're considering and the insurer you choose.

The most affordable Audi to insure is the Q3 crossover SUV, which costs $2,768 per year. It's followed closely by the A8 sedan, A3 sedan and E-Tron electric SUV, which cost under $3,000 per year to insure.

State Farm offers the cheapest insurance prices for Audi owners, with an average price 40% below average. Geico, Nationwide and USAA all offer cheaper-than-average rates, as well.

Compare Audi insurance costs by model and insurance company:


Audi insurance rates by model

The Audi Q3, a compact crossover SUV, is the cheapest Audi to insure. This vehicle has an average price of $2,768 per year with full coverage. Audi's high-end supercar, the R8, is the most expensive, at $4,895 per year. That's not surprising, given that the car has a starting price of $148,700 and a top speed of over 200 miles per hour.

Rank

Model
Annual insurance cost
Monthly insurance cost
1Q3$2,768$231
2A8$2,888$241
3A3$2,937$245
4E-Tron$2,984$249
5Q7$3,275$273
6Q5$3,278$273
7TT$3,353$279
8A4$3,365$280
9A6$3,394$283
10A5$3,454$288
11Q8$3,551$296
12A7$4,226$352
Show All Rows

Compare Rates

Every driver's insurance rate will be different. Insurers consider your age, where you live and your driving history. We always recommend comparing quotes from multiple insurance companies to find your best rate.


Audi insurance rates by company

State Farm offers the cheapest rates on car insurance for Audi owners, with an average price of $2,044 per year for full coverage on a 2022 model. That's 40% less than the average rate overall ($3,413) and 68% less than the most expensive insurer, Allstate (​​$6,359).

Geico, Nationwide and USAA are also affordable options, as they all offer average rates below $3,000 per year.

Graph showing the average cost of Audi insurance by company
Currently insured?
Insurer
Average rate
State Farm$2,044
Geico$2,673
Nationwide$2,762
USAA$2,818
Average$3,413
Progressive$3,822
Allstate$6,359

Quotes are based on a full-coverage policy for a 30-year-old man in Texas with a clean driving record.

Are Audis expensive to insure?

Audis are more expensive to insure than nonluxury brands but fairly affordable when compared to other high-end carmakers. Insuring a Toyota or Honda tends to cost around $2,000 per year, while the average price to insure an Audi is approximately $3,400 per year.

On the other hand, Audis are much cheaper to insure than competing high-end luxury vehicles from manufacturers like Lexus, Mercedes and BMW. The typical price to insure these vehicles is often $4,000 per year or more, depending on the model.

In general, cars cost more to insure when they are smaller, faster and more expensive. A car that is smaller and faster is more likely to be involved in a crash. An expensive car usually costs more to fix, increasing insurance rates. However, expensive cars do sometimes have improved safety features, such as obstacle avoidance sensors, which may reduce the likelihood of accidents — and insurance rates.

{"backgroundColor":"ice","content":"\u003C\/p\u003E\n\n\u003Ch3\u003EAre Audis expensive to insure?\u003C\/h3\u003E\n\n\u003Cp\u003EAudis are more expensive to insure than nonluxury brands but fairly affordable when compared to other high-end carmakers. Insuring a Toyota or Honda tends to cost around $2,000 per year, while the average price to insure an Audi is approximately $3,400 per year.\u003C\/p\u003E\n\n\u003Cp\u003EOn the other hand, Audis are much cheaper to insure than competing high-end luxury vehicles from manufacturers like Lexus, Mercedes and BMW. The typical price to insure these vehicles is often $4,000 per year or more, depending on the model.\u003C\/p\u003E\n\n\u003Cp\u003EIn general, cars cost more to insure when they are smaller, faster and more expensive. A car that is smaller and faster is more likely to be involved in a crash. An expensive car usually costs more to fix, increasing insurance rates. However, expensive cars do sometimes have improved safety features, such as obstacle avoidance sensors, which may reduce the likelihood of accidents \u2014 and insurance rates.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Audi Q3 insurance rates

At an annual insurance cost of $2,768, the Audi Q3 is Audi's most affordable model to insure. That's unsurprising, as it's the smallest and cheapest SUV Audi makes. The Q3 is $510 per year less expensive to insure than the Q5.

The cheapest insurer for the Q3 is State Farm, where a policy costs just $1,755 per year — 37% less than the average price to insure a Q3 overall.

Year
Annual insurance cost
2022$2,768
2021$2,594
2020$2,670
2019$2,435
2018$2,296
Compare Rates

Audi Q5 insurance prices

The average price to insure an Audi Q5 is $3,278 per year. That makes it the second-most expensive Audi SUV to insure, behind only the Q8.

However, the Q5 is still slightly cheaper than average to insure compared to all Audis, by $135 per year, or 5%.

The most affordable insurance company to cover a Q5 is State Farm, where the average price is $1,792 per year. That's 45% cheaper than the average across all insurers.

Year
Annual insurance cost
2022$3,278
2021$3,108
2020$2,863
2019$2,794
2018$2,625
Compare Rates

Audi Q7 insurance rates

At $3,275 per year, the Audi Q7 SUV is about average among Audis when it comes to insurance prices. It's just barely cheaper to insure than the smaller Q5 but much less expensive than Audi's premium full-size model, the Q8.

Drivers looking to reduce their insurance cost may consider an older model — a 2018 Q7 costs over $500 less to insure than a brand-new model.

The most affordable option to insure a Q7 is State Farm, where the average price is $1,998 per year. That's a 39% savings compared to the overall average.

Year
Annual insurance cost
2022$3,275
2021$3,162
2020$3,243
2019$2,964
2018$2,715
Compare Rates

Audi Q8 insurance quotes

Audi's largest, priciest SUV is also its most expensive to insure. The average rate for a new Audi Q8 is $3,551 per year. That's about $800 per year more than the cost to insure the Q3, the least expensive SUV by Audi.

With a starting price of $70,800, it's no surprise that the premium SUV has a high insurance cost to match.

But drivers can save money on their insurance by buying a policy from State Farm. The average price there is just $2,006 per year for full coverage, saving you 44% off the average rate.

Year
Annual insurance cost
2022$3,551
2021$3,423
2020$3,401
2019$3,298
Compare Rates

Audi E-Tron insurance prices

Audi's first electric vehicle, the E-Tron, is among its most affordable cars to insure. The average price is $2,984 per year for full coverage, which is 13% less than the average among all Audis.

The E-Tron costs slightly less to insure than a Tesla Model Y. Tesla's smaller electric crossover costs $3,057 per year to insure.

USAA is the cheapest option to insure the E-Tron, where the average price is $1,901 per year, or 36% less than average.

Year
Annual insurance cost
2022$2,984
2021$2,900
2020$2,975
2019$3,235
Compare Rates

Audi A3 insurance quotes

With an average insurance cost of $2,937 per year, the A3 is the second-cheapest Audi sedan to insure and 15% less expensive than an average Audi.

The A3 is the cheapest Audi you can buy, with a 2022 MSRP of $34,800. But it's more expensive to insure than Audi's other entry-level vehicle, the Q3 SUV. SUVs often have lower insurance rates because the driver's viewpoint is higher, and they are more visible on the road.

The cheapest insurer for the A3 is State Farm, where the average price is $1,614 per year.

Year
Annual insurance cost
2022$2,937
2021$2,994
2020$2,848
2019$2,782
2018$2,572
Compare Rates

Audi A4 insurance rates

The average cost to insure an A4 sedan is $3,365 per year. That's 2% cheaper than the average rate across all Audi vehicles.

The A4 is available in both sedan and crossover variants, but the sedan is the more affordable option, starting at $39,900.

We recommend State Farm as the most affordable option for the A4, with an average price of $1,755 per year. That represents a 48% savings over the typical insurer.

Year
Annual insurance cost
2022$3,365
2021$3,242
2020$3,143
2019$3,058
2018$2,792
Compare Rates

Audi A5 insurance quotes

The average annual price to insure an Audi A5 is $3,454 per year, or about $288 per month. That makes it the second-most expensive A-series Audi car to insure, though it's only $41 more expensive per year than the average Audi model overall.

We calculated rates for the less-expensive coupe variant, with a starting price of $46,000. The cost to insure the more expensive four-door sportback may differ.

USAA is the most affordable company with which you can insure your A5, where the average rate is $1,901 per year. But State Farm is only a few dollars more, at $1,907 per year — and unlike USAA, it's available to people who aren't affiliated with the military.

Year
Annual insurance cost
2022$3,454
2021$3,532
2020$3,322
2019$3,319
2018$3,011
Compare Rates

Audi A6 insurance price

The average price to insure an Audi A6 sedan is $3,394 per year, or $283 per month, making it slightly cheaper to insure than an average Audi.

However, the A6 is much cheaper than the A7, despite the fact that the only difference between the two is the A7's more aggressively styled roofline. Choose the A6 and you'll save $832 per year on insurance alone, not to mention the $13,000 price difference.

The most affordable option for insuring an A6 is Geico, where the average price is $1,874 per year. That's 45% less than the average rate overall.

Year
Annual insurance cost
2022$3,394
2021$3,526
2020$3,557
2019$3,239
2018$2,883
Compare Rates

Audi A7 insurance quotes

The A7 is the most expensive A-series Audi car to insure and the second-priciest overall, with an average price of $4,226 per year. That's 23% higher than the average price across all models.

The only Audi model that's more expensive to insure is the R8 — a two-seat supercar that's twice as expensive and can drive at 200 mph.

Drivers looking for a cheaper insurance bill should consider the A6. The two cars are very similar, with the main difference being the A7's aggressively styled sportback roofline (and much higher price tag).

The most affordable insurer for the A7 is Progressive, where the average price is $2,327 per year. That's 45% less than the average across all insurers.

Year
Annual insurance cost
2022$4,226
2021$3,964
2020$3,932
2019$3,790
2018$3,925
Compare Rates

Audi A8 insurance prices

An Audi A8 costs $2,888 per year to insure, on average. That's 16% less than the average across all Audi models.

While the full-size A8 sedan is among Audi's most expensive models to buy (MSRP $86,500), it's among the cheapest to insure — only the base-level Q3 SUV is more affordable. More expensive cars can sometimes be cheaper to insure if they provide more protection to their occupants — either by virtue of their large size or more advanced safety features.

Drivers can get an even better deal by buying their insurance from State Farm, where the average price is $1,356 per year — 53% less expensive than the average rate.

Year
Annual insurance cost
2022$2,888
2021$4,758
2020$4,553
2019$4,315
2018$4,575
Compare Rates

Audi R8 insurance rates

The Audi R8 supercar costs $4,895 per year to insure, making it the most expensive Audi model to insure overall and about 42% more costly than the average Audi.

The two-seat R8 is also the most expensive Audi to buy, with an MSRP of $148,700. It's the fastest Audi, too: The 2022 R8 has a top speed of 204 mph.

The cheapest insurer for the R8 is Geico, with an average quote of $1,733. That's 65% less expensive than the average rate overall.

Owners of the Audi R8 may also want to consider luxury car insurance, which is designed for collectors and high-end car owners. Luxury car insurance may include things like coverage for exhibiting at a car show ⁠— while keeping rates low because the cars aren't driven as often as a daily commuter.

Year
Annual insurance cost
2022$4,895
2021$5,603
2020$5,191
2019N/A
2018$6,434

We weren't able to retrieve quotes for the 2019 R8.

Compare Rates

Audi TT insurance quotes

Audi's comparatively reasonably priced sports car, the TT coupe, costs $3,353 per year to insure. That's $60 per year less than the average Audi overall and more than $1,500 per year cheaper than the R8 — Audi's other sports car.

The TT coupe retails starting at $50,500 per year, but the convertible model will increase the price. Convertibles also generally cost more to insure, as they are easier to break into or damage.

The cheapest insurer for an Audi TT is USAA, where the average price is just $1,901 annually. However, USAA is only available to people who are affiliated with the military; if you're ineligible, State Farm's rates are only slightly higher, with an average rate of $1,930 per year.

Year
Annual insurance cost
2022$3,353
2021$3,591
2020$3,329
2019$3,213
2018$3,640
Compare Rates

Methodology

To calculate the average cost of insurance for an Audi, we gathered thousands of quotes for a sample driver living in Texas: a 30-year-old man with a clean recent driving history and average credit. Rates are based on a full-coverage policy with the following limits:

Coverage
Limits
Bodily injury liability$50,000 per person/$100,000 per accident
Property damage liability$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

This analysis used insurance rate data from Quadrant Information Services. The quotes referenced were publicly sourced from insurer filings and should only be used for comparison purposes. Unless otherwise noted, quotes are for the base trim level. Actual rates for your Audi model may differ.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.