If you’re planning to purchase a new vehicle, it’s important to include the car insurance cost in your overall budget.
According to CarInsurance.com’s rate analysis, the average annual cost for Audi car insurance is $3,907 or $326 per month. Remember that your specific rates may vary depending on the Audi model you choose, the model year, your age, your driving history and the insurer.
- The annual average nationwide cost of full coverage car insurance for Audi is $3,907 per year.
- The Q3 is the cheapest Audi model to insure.
- Advanced safety features that come standard on Audi models help lower your insurance costs.
Average cost of car insurance for a Audi, by company
Car insurance premiums can differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Audi vehicles compare among different insurers in the table below.
Cost to insure a Audi, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,500 | $1,250 | $208 |
| State Farm | $3,181 | $1,591 | $265 |
| Nationwide | $3,183 | $1,592 | $265 |
| GEICO | $3,517 | $1,759 | $293 |
| Progressive | $3,526 | $1,763 | $294 |
| Allstate | $5,016 | $2,508 | $418 |
| Farmers | $5,207 | $2,603 | $434 |
| USAA | $2,898 | $1,449 | $242 |
Audi average insurance rates, by model
Audi Q3 car insurance cost
The average car insurance premium for Audi Q3 is $238 per month, which translates to $2,856 per year. The most affordable company for a Audi Q3 is Travelers with a rate of $162 monthly or $1,943 per year.
Audi A3 car insurance cost
The average monthly car insurance premium for a Audi A3 is $271 or $3,247 annually. Travelers is the most affordable company for a Audi A3 owner, offering insurance at a monthly rate of just $169 or $2,026 per year.
Audi Q5 car insurance cost
The average car insurance premium for Audi Q5 is $273 per month, which translates to $3,278 per year. The most affordable company for a Audi Q5 is Travelers with a rate of $181 monthly or $2,176 per year.
Audi Q4 e-tron car insurance cost
The monthly car insurance cost for a Audi Q4 e-tron is $274 , which translates to $3,292 annually. Travelers tops the list of the most affordable car insurance companies, with an average cost of $2,248 a year or $187 per month.
Audi Q7 car insurance cost
The average monthly car insurance premium for a Audi Q7 is $282 , which totals $3,381 annually. Travelers offers the cheapest rate at $195 per month or $2,339 annually.
Audi A4 Allroad car insurance cost
The average car insurance premium for Audi A4 Allroad is $282 per month, which translates to $3,383 per year. The most affordable company for a Audi A4 Allroad is Travelers with a rate of $168 monthly or $2,018 per year.
Insurance rates by car model
The average cost of car insurance for a Audi, by age
Audi car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
The cost of car insurance starts to drop as drivers gain more experience and stays pretty level, assuming no tickets, claims or accidents until the age of 60 when rates start to rise.
In the tables below, see how much it costs to insure a Audi by the driver’s age.
Cost to insure a Audi, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Audi A3 | $10,698 | $5,349 | $892 |
| 18 | Audi A4 | $11,563 | $5,781 | $964 |
| 18 | Audi A4 Allroad | $11,080 | $5,540 | $923 |
| 18 | Audi A5 | $11,643 | $5,822 | $970 |
| 18 | Audi A6 | $12,628 | $6,314 | $1,052 |
| 18 | Audi A6 Allroad | $13,419 | $6,709 | $1,118 |
| 18 | Audi A7 | $14,487 | $7,244 | $1,207 |
| 18 | Audi A8 | $16,166 | $8,083 | $1,347 |
| 18 | Audi e-tron GT | $20,654 | $10,327 | $1,721 |
| 18 | Audi Q3 | $9,374 | $4,687 | $781 |
| 18 | Audi Q4 e-tron | $10,806 | $5,403 | $901 |
| 18 | Audi Q5 | $10,665 | $5,332 | $889 |
| 18 | Audi Q6 e-tron | $12,325 | $6,163 | $1,027 |
| 18 | Audi Q7 | $10,961 | $5,481 | $913 |
| 18 | Audi Q8 | $12,287 | $6,143 | $1,024 |
| 18 | Audi RS Q8 | $17,136 | $8,568 | $1,428 |
| 18 | Audi RS3 | $14,159 | $7,079 | $1,180 |
| 18 | Audi RS5 | $15,564 | $7,782 | $1,297 |
| 18 | Audi RS6 | $19,675 | $9,837 | $1,640 |
| 18 | Audi RS7 | $20,598 | $10,299 | $1,717 |
| 18 | Audi S3 | $12,155 | $6,078 | $1,013 |
| 18 | Audi S4 | $13,030 | $6,515 | $1,086 |
| 18 | Audi S5 | $13,652 | $6,826 | $1,138 |
| 18 | Audi S6 | $15,406 | $7,703 | $1,284 |
| 18 | Audi S7 | $16,585 | $8,292 | $1,382 |
| 18 | Audi S8 | $19,699 | $9,850 | $1,642 |
| 18 | Audi SQ5 | $11,618 | $5,809 | $968 |
| 18 | Audi SQ6 e-tron | $13,426 | $6,713 | $1,119 |
| 18 | Audi SQ7 | $14,263 | $7,132 | $1,189 |
| 18 | Audi SQ8 | $14,816 | $7,408 | $1,235 |
Cost to insure a Audi, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Audi A3 | $3,247 | $1,624 | $271 |
| 40 | Audi A4 | $3,523 | $1,761 | $294 |
| 40 | Audi A4 Allroad | $3,383 | $1,692 | $282 |
| 40 | Audi A5 | $3,568 | $1,784 | $297 |
| 40 | Audi A6 | $3,910 | $1,955 | $326 |
| 40 | Audi A6 Allroad | $4,174 | $2,087 | $348 |
| 40 | Audi A7 | $4,489 | $2,245 | $374 |
| 40 | Audi A8 | $5,041 | $2,520 | $420 |
| 40 | Audi e-tron GT | $6,413 | $3,207 | $534 |
| 40 | Audi Q3 | $2,856 | $1,428 | $238 |
| 40 | Audi Q4 e-tron | $3,292 | $1,646 | $274 |
| 40 | Audi Q5 | $3,278 | $1,639 | $273 |
| 40 | Audi Q6 e-tron | $3,809 | $1,905 | $317 |
| 40 | Audi Q7 | $3,381 | $1,691 | $282 |
| 40 | Audi Q8 | $3,781 | $1,891 | $315 |
| 40 | Audi RS Q8 | $5,309 | $2,654 | $442 |
| 40 | Audi RS3 | $4,311 | $2,156 | $359 |
| 40 | Audi RS5 | $4,722 | $2,361 | $393 |
| 40 | Audi RS6 | $6,156 | $3,078 | $513 |
| 40 | Audi RS7 | $6,390 | $3,195 | $532 |
| 40 | Audi S3 | $3,732 | $1,866 | $311 |
| 40 | Audi S4 | $4,013 | $2,007 | $334 |
| 40 | Audi S5 | $4,134 | $2,067 | $344 |
| 40 | Audi S6 | $4,737 | $2,368 | $395 |
| 40 | Audi S7 | $5,148 | $2,574 | $429 |
| 40 | Audi S8 | $6,193 | $3,097 | $516 |
| 40 | Audi SQ5 | $3,575 | $1,788 | $298 |
| 40 | Audi SQ6 e-tron | $4,168 | $2,084 | $347 |
| 40 | Audi SQ7 | $4,384 | $2,192 | $365 |
| 40 | Audi SQ8 | $4,590 | $2,295 | $383 |
Speak with a friendly agent and get your quote in minutes!
Audi car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Audi car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Audi car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $3,541 | $1,771 | $295 |
| Alabama | $3,546 | $1,773 | $296 |
| Arkansas | $4,604 | $2,302 | $384 |
| Arizona | $4,015 | $2,008 | $335 |
| California | $4,659 | $2,330 | $388 |
| Colorado | $4,524 | $2,262 | $377 |
| Connecticut | $4,496 | $2,248 | $375 |
| Washington, D.C. | $5,184 | $2,592 | $432 |
| Delaware | $4,349 | $2,175 | $362 |
| Florida | $4,017 | $2,008 | $335 |
| Georgia | $3,704 | $1,852 | $309 |
| Hawaii | $2,192 | $1,096 | $183 |
| Iowa | $3,491 | $1,746 | $291 |
| Idaho | $2,710 | $1,355 | $226 |
| Illinois | $3,365 | $1,683 | $280 |
| Indiana | $2,733 | $1,366 | $228 |
| Kansas | $3,887 | $1,943 | $324 |
| Kentucky | $4,528 | $2,264 | $377 |
| Louisiana | $6,635 | $3,318 | $553 |
| Massachusetts | $3,345 | $1,672 | $279 |
| Maryland | $4,343 | $2,171 | $362 |
| Maine | $2,558 | $1,279 | $213 |
| Michigan | $5,453 | $2,727 | $454 |
| Minnesota | $3,752 | $1,876 | $313 |
| Missouri | $3,947 | $1,974 | $329 |
| Mississippi | $4,447 | $2,224 | $371 |
| Montana | $3,723 | $1,861 | $310 |
| North Carolina | $3,376 | $1,688 | $281 |
| North Dakota | $3,485 | $1,742 | $290 |
| Nebraska | $4,153 | $2,077 | $346 |
| New Hampshire | $2,721 | $1,360 | $227 |
| New Jersey | $4,269 | $2,134 | $356 |
| New Mexico | $3,909 | $1,954 | $326 |
| Nevada | $4,633 | $2,316 | $386 |
| New York | $4,165 | $2,083 | $347 |
| Ohio | $2,677 | $1,338 | $223 |
| Oklahoma | $4,302 | $2,151 | $358 |
| Oregon | $3,322 | $1,661 | $277 |
| Pennsylvania | $3,949 | $1,974 | $329 |
| Rhode Island | $4,218 | $2,109 | $351 |
| South Carolina | $4,158 | $2,079 | $347 |
| South Dakota | $4,688 | $2,344 | $391 |
| Tennessee | $3,513 | $1,756 | $293 |
| Texas | $4,289 | $2,145 | $357 |
| Utah | $3,079 | $1,539 | $257 |
| Virginia | $3,364 | $1,682 | $280 |
| Vermont | $2,751 | $1,376 | $229 |
| Washington | $3,039 | $1,520 | $253 |
| Wisconsin | $3,851 | $1,926 | $321 |
| West Virginia | $3,563 | $1,781 | $297 |
| Wyoming | $3,156 | $1,578 | $263 |
Average car insurance cost for different vehicle makes
Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Which body styles are cheaper or more expensive to insure?
If you’re looking for affordable Audi car insurance, it’s wise to choose vehicles designed with families in mind, such as small SUVs. These cars typically come equipped with advanced safety features, have smaller engines and are often driven by parents with children onboard. As a result, drivers tend to be more cautious, leading to fewer accidents.
Airbags, backup cameras, automatic emergency braking and lane departure warning are all safety features that will help keep your insurance premium low. As in years past, minivans and compact to midsize SUVs topped our list of cheapest cars to insure this year.
Pickups and commercial vans often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
Cheapest Audi models to insure
Smaller, budget-friendly Audi models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Choosing family-friendly models with robust safety features can help lower your insurance costs. Advanced safety technologies like automatic emergency braking, a backup camera and blind spot detection often lead to premium discounts.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren McKenzie, a senior agent with A Plus Insurance. “If you are younger and choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Audi models to insure
Luxury vehicles, sports cars, and SUVs generally rank as the most expensive types of vehicles for car insurance. Luxury vehicles and sports cars often attract higher insurance rates because they are more likely to be stolen and cost more to repair or replace. On the other hand, SUVs, especially larger ones, can lead to higher premiums due to their potential to cause more damage in an accident.
If you are hoping to keep your insurance bill low, avoid these types of vehicles:
- EVs: EVs have large, very expensive batteries under the hood which makes them expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor that risk into your rate.
- Luxury and sports cars: A big engine is always a red flag for insurers as is a sky-high sticker price. Luxury and sports cars come with a big sticker price, are fast, and filled with exotic trims and technology, all of which make them very costly to repair or replace if you file a claim which is why they are super expensive to insure.
- Favorites of thieves: Insurers keep a close eye on statistics, and if your vehicle is a favorite with car thieves, you will pay more for coverage. The National Insurance Crime Bureau (NICB) releases a list every year of hot cars with thieves so avoid those vehicles to keep your premium low.
How to save on car insurance for a Audi
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Audi discounts on car insurance
To reduce the cost of your Audi insurance, ensure that you take advantage of all available discounts. Insurance companies offer a range of discounts that can significantly lower your premiums.
You might be eligible for discounts related to your vehicle or personal factors. Insurance companies typically reduce rates for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warning systems and driver alertness monitors.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Audi auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Audi insurance? It will depend on which model you choose. Audi builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This advice also applies when comparing vehicles from different manufacturers. A luxury German sedan, like a BMW or Mercedes, will generally cost more to insure than a minivan or compact vehicle from another brand. Therefore, always compare similar vehicle types and trim levels when shopping for a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Audi
Audi is a luxury automobile manufacturer from Germany and is known for its innovative design and performance. It’s a member of the “German Big 3” luxury automakers, alongside BMW and Mercedes-Benz.
Final thoughts on Audi insurance costs
Audi offers a diverse range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
No matter which Audi model you choose, you can save money on your insurance by regularly comparing your coverage options, inquiring about available discounts and opting for the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Audi?
Your driving history is one of the many factors affecting your Audi car insurance premiums. Maintaining a clean record typically results in lower premiums, but if you’ve had accidents, speeding infractions, or DUI convictions, you may face significantly higher rates.
Does the color of my Audi affect the insurance premium?
The color of your Audi does not impact your insurance premium. Insurers calculate rates based on factors such as the vehicle’s model, age, safety features and driving record.
How does the age of my Audi affect insurance costs?
Your Audi’s age can affect your insurance costs. Older models often benefit from lower premiums because they depreciate in value, but they lack the latest safety features and it may lead to a slight increase in rates. On the other hand, newer models tend to have higher premiums, as they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
We're not here to sell you a policy. Instead, we empower you to choose wisely by offering real-world insights and support. Everything we create is built on trust, transparency and a commitment to clarity so that you can move forward with confidence every step of the way. We help you make smarter decisions — quickly, clearly and on your terms. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.