If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Audi costs? Here’s what you need to know.
On average, Audi car insurance costs an average of $3,402 a year or $283 monthly, based on CarInsurance.com’s rate analysis. Your exact rates may vary based on the Audi model you drive, model year, your age, driving history and the insurance company you choose.
- The annual average nationwide cost of full coverage car insurance for Audi is $3,402 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 vary greatly depending on the vehicle’s make. For example, insurance rates differ from one insurer to another because companies use different parameters to assess risk and estimate the likelihood of a claim. Insurers consider factors such as your driving history, location, age and the type of vehicle you drive to calculate insurance rates.
The table below shows Audi car insurance rates by insurance company.
Cost to insure a Audi, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $2,541 | $1,270 | $212 |
| State Farm | $2,636 | $1,318 | $220 |
| Progressive | $3,118 | $1,559 | $260 |
| Geico | $3,201 | $1,600 | $267 |
| Farmers | $4,188 | $2,094 | $349 |
| Allstate | $4,790 | $2,395 | $399 |
Audi average insurance rates, by model
Audi Q3 car insurance cost
The average car insurance premium for Audi Q3 is $204 per month, which translates to $2,447 per year. The most affordable company for a Audi Q3 is Nationwide with a rate of $145 monthly or $1,736 per year.
Audi Q4 e-tron car insurance cost
The average car insurance premium for Audi Q4 e-tron is $226 per month, which translates to $2,711 per year. The most affordable company for a Audi Q4 e-tron is State Farm with a rate of $176 monthly or $2,114 per year.
Audi Q5 car insurance cost
The average car insurance premium for Audi Q5 is $232 per month, which translates to $2,785 per year. The most affordable company for a Audi Q5 is Nationwide with a rate of $169 monthly or $2,033 per year.
Audi A3 car insurance cost
The monthly car insurance cost for a Audi A3 is $233, which translates to $2,795 annually. Nationwide tops the list of the most affordable car insurance companies, with an average cost of $2,133 a year or $178 per month.
Audi A4 Allroad car insurance cost
Car insurance cost for a Audi A4 Allroad is $2,812 a year or $234 monthly. If you own a Audi A4 Allroad, Progressive has the cheapest car insurance rates with an average annual premium of $1,680 or $140 per month.
Audi Q7 car insurance cost
The average car insurance premium for Audi Q7 is $248 per month, which translates to $2,972 per year. The most affordable company for a Audi Q7 is Nationwide with a rate of $180 monthly or $2,162 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.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Audi based on 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 | $10,782 | $5,391 | $899 |
| 18 | Audi A4 | $11,520 | $5,760 | $960 |
| 18 | Audi A4 Allroad | $10,492 | $5,246 | $874 |
| 18 | Audi A5 | $11,850 | $5,925 | $988 |
| 18 | Audi A6 | $12,957 | $6,479 | $1,080 |
| 18 | Audi A6 Allroad | $13,767 | $6,884 | $1,147 |
| 18 | Audi A7 | $14,129 | $7,065 | $1,177 |
| 18 | Audi A8 | $16,380 | $8,190 | $1,365 |
| 18 | Audi e-tron GT | $20,776 | $10,388 | $1,731 |
| 18 | Audi Q3 | $9,301 | $4,650 | $775 |
| 18 | Audi Q4 e-tron | $10,212 | $5,106 | $851 |
| 18 | Audi Q5 | $10,594 | $5,297 | $883 |
| 18 | Audi Q7 | $11,125 | $5,562 | $927 |
| 18 | Audi Q8 | $12,152 | $6,076 | $1,013 |
| 18 | Audi Q8 e-tron | $11,896 | $5,948 | $991 |
| 18 | Audi RS Q8 | $18,609 | $9,305 | $1,551 |
| 18 | Audi RS3 | $14,570 | $7,285 | $1,214 |
| 18 | Audi RS5 | $15,845 | $7,922 | $1,320 |
| 18 | Audi RS6 | $19,841 | $9,920 | $1,653 |
| 18 | Audi RS7 | $21,331 | $10,666 | $1,778 |
| 18 | Audi S3 | $12,113 | $6,056 | $1,009 |
| 18 | Audi S4 | $13,463 | $6,732 | $1,122 |
| 18 | Audi S5 | $13,893 | $6,947 | $1,158 |
| 18 | Audi S6 | $16,062 | $8,031 | $1,339 |
| 18 | Audi S7 | $17,882 | $8,941 | $1,490 |
| 18 | Audi S8 | $20,084 | $10,042 | $1,674 |
| 18 | Audi SQ5 | $11,660 | $5,830 | $972 |
| 18 | Audi SQ7 | $15,264 | $7,632 | $1,272 |
| 18 | Audi SQ8 | $15,212 | $7,606 | $1,268 |
| 18 | Audi SQ8 e-tron | $14,230 | $7,115 | $1,186 |
Cost to insure a Audi, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Audi A3 | $2,795 | $1,397 | $233 |
| 40 | Audi A4 | $2,993 | $1,497 | $249 |
| 40 | Audi A4 Allroad | $2,812 | $1,406 | $234 |
| 40 | Audi A5 | $3,105 | $1,553 | $259 |
| 40 | Audi A6 | $3,459 | $1,729 | $288 |
| 40 | Audi A6 Allroad | $3,714 | $1,857 | $310 |
| 40 | Audi A7 | $3,787 | $1,893 | $316 |
| 40 | Audi A8 | $4,451 | $2,226 | $371 |
| 40 | Audi e-tron GT | $5,528 | $2,764 | $461 |
| 40 | Audi Q3 | $2,447 | $1,224 | $204 |
| 40 | Audi Q4 e-tron | $2,711 | $1,355 | $226 |
| 40 | Audi Q5 | $2,785 | $1,393 | $232 |
| 40 | Audi Q7 | $2,972 | $1,486 | $248 |
| 40 | Audi Q8 | $3,238 | $1,619 | $270 |
| 40 | Audi Q8 e-tron | $3,295 | $1,647 | $275 |
| 40 | Audi RS Q8 | $4,998 | $2,499 | $416 |
| 40 | Audi RS3 | $3,865 | $1,932 | $322 |
| 40 | Audi RS5 | $4,176 | $2,088 | $348 |
| 40 | Audi RS6 | $5,516 | $2,758 | $460 |
| 40 | Audi RS7 | $5,792 | $2,896 | $483 |
| 40 | Audi S3 | $3,230 | $1,615 | $269 |
| 40 | Audi S4 | $3,523 | $1,762 | $294 |
| 40 | Audi S5 | $3,598 | $1,799 | $300 |
| 40 | Audi S6 | $4,253 | $2,126 | $354 |
| 40 | Audi S7 | $4,797 | $2,398 | $400 |
| 40 | Audi S8 | $5,487 | $2,743 | $457 |
| 40 | Audi SQ5 | $3,074 | $1,537 | $256 |
| 40 | Audi SQ7 | $4,094 | $2,047 | $341 |
| 40 | Audi SQ8 | $4,125 | $2,062 | $344 |
| 40 | Audi SQ8 e-tron | $4,010 | $2,005 | $334 |
Audi car insurance rates by state
When it comes to insuring your Audi, your location can greatly affect your premiums. Rates vary significantly across states due to traffic conditions, accident rates, theft/vandalism, weather incidents and state laws. Below, you’ll find Audi car insurance for all the states in the U.S.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,876 | $1,438 | $240 |
| Alabama | $3,231 | $1,615 | $269 |
| Arkansas | $3,785 | $1,892 | $315 |
| Arizona | $3,096 | $1,548 | $258 |
| California | $4,010 | $2,005 | $334 |
| Colorado | $4,327 | $2,164 | $361 |
| Connecticut | $3,388 | $1,694 | $282 |
| Washington, D.C. | $4,039 | $2,020 | $337 |
| Delaware | $3,278 | $1,639 | $273 |
| Florida | $3,497 | $1,748 | $291 |
| Georgia | $3,830 | $1,915 | $319 |
| Hawaii | $1,971 | $985 | $164 |
| Iowa | $3,056 | $1,528 | $255 |
| Idaho | $2,320 | $1,160 | $193 |
| Illinois | $3,279 | $1,640 | $273 |
| Indiana | $3,128 | $1,564 | $261 |
| Kansas | $3,708 | $1,854 | $309 |
| Kentucky | $4,327 | $2,164 | $361 |
| Louisiana | $5,381 | $2,691 | $448 |
| Massachusetts | $3,263 | $1,632 | $272 |
| Maryland | $3,141 | $1,570 | $262 |
| Maine | $2,522 | $1,261 | $210 |
| Michigan | $4,255 | $2,128 | $355 |
| Minnesota | $3,866 | $1,933 | $322 |
| Missouri | $4,186 | $2,093 | $349 |
| Mississippi | $3,897 | $1,948 | $325 |
| Montana | $3,860 | $1,930 | $322 |
| North Carolina | $2,724 | $1,362 | $227 |
| North Dakota | $3,299 | $1,649 | $275 |
| Nebraska | $3,795 | $1,897 | $316 |
| New Hampshire | $2,647 | $1,324 | $221 |
| New Jersey | $3,064 | $1,532 | $255 |
| New Mexico | $3,544 | $1,772 | $295 |
| Nevada | $2,975 | $1,488 | $248 |
| New York | $2,525 | $1,263 | $210 |
| Ohio | $2,398 | $1,199 | $200 |
| Oklahoma | $3,728 | $1,864 | $311 |
| Oregon | $3,194 | $1,597 | $266 |
| Pennsylvania | $3,384 | $1,692 | $282 |
| Rhode Island | $3,979 | $1,989 | $332 |
| South Carolina | $3,031 | $1,516 | $253 |
| South Dakota | $4,474 | $2,237 | $373 |
| Tennessee | $3,800 | $1,900 | $317 |
| Texas | $4,727 | $2,364 | $394 |
| Utah | $2,698 | $1,349 | $225 |
| Virginia | $2,473 | $1,237 | $206 |
| Vermont | $2,774 | $1,387 | $231 |
| Washington | $2,663 | $1,331 | $222 |
| Wisconsin | $2,696 | $1,348 | $225 |
| West Virginia | $3,304 | $1,652 | $275 |
| Wyoming | $3,977 | $1,988 | $331 |
Average car insurance cost for different vehicle makes
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To find affordable Audi car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features such as airbags, backup cameras, automatic emergency braking and lane departure warnings help to get affordable car insurance premiums. As in years past, minivans and small to midsize SUVs continue to rank among the most affordable vehicles to insure.
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.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for 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, 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’re looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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?
Audi car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each 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.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering 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 makes a variety of different models and the cost to insure them will vary based on a number of factors. Choosing entry-level vehicles with a low starting price, smaller engine under the hood and plenty of safety features will help keep your premium affordable while more luxury and sporty models will push up the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Audi model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Audi?
Yes, your driving record has a significant impact on your Audi’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Audi affect the insurance premium?
No, the color of your Audi does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Audi affect insurance costs?
The age of your Audi can influence your insurance costs. Older Audi models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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