How Much Is Audi Insurance by Model?
Discover how much you can expect to pay to insure your Audi this year.
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Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Audi is a German luxury brand known for its Quattro all-wheel-drive system, opulent interior, and stunning performance. After the company expanded into the electric vehicle market, it gained an even larger following. This top-rated vehicle line requires the best possible car insurance. The average cost of Audi insurance per year is $1,810.75, which is quite a bit higher than the overall current national average of $1,311 annually.
An independent insurance agent can help you find the right coverage for your Audi. They'll get you matched to the policy that does everything you need it to. But first, here's a breakdown of Audi insurance costs by model and top-rated insurance company.
In this article:
How Much Does an Audi Cost to Insure by Model?
Are Audis Expensive to Insure?
Why Do Insurance Costs Differ between Audis?
How Much Is Car Insurance for an Audi R8?
How Much Is Car Insurance for an Audi A4?
How Much Is Car Insurance for an Audi e-tron?
How Much Is Car Insurance for an Audi Q5?
What Other Factors Affect Audi Insurance Costs?
How to Save the Most Money on Audi Insurance
How Much Does an Audi Cost to Insure by Model?
A vehicle's make and model are one of several key factors that impact insurance costs. That means that two different models of Audi likely have different car insurance premiums. We compared quotes for a handful of popular Audi models below to paint a better picture of the car insurance price range.
| Audi Model | Average Cost of Car Insurance Per Year |
|---|---|
| Audi R8 | $2,739.25 |
| Audi A4 | $1,567.25 |
| Audi e-tron | $1,537.50 |
| Audi Q5 | $1,399 |
Whichever model of Audi you drive, an independent insurance agent in your town can help you find affordable car insurance for it.
Are Audis Expensive to Insure?
Depending on the type of Audi you drive, your car insurance rates will vary. But of the four popular Audi models we compared, our research indicated that Audis are expensive to insure compared to the overall national average cost of car insurance. Trusted Choice evaluated four of the most popular Audi models, each with different car insurance rates, to better demonstrate a price range for you. Our findings indicated that the Audi R8 is by far the most expensive to insure, while the Audi Q5 is the least expensive, and the other two models ranked in the middle.
Why Do Insurance Costs Differ between Audi Models?
The value of the vehicle heavily impacts its insurance costs, along with many other factors. The most expensive model to insure on our list by far is the Audi R8, while the Audi Q5 was by far the most affordable. One key factor in this difference is the price tag on each model. Audi R8s are much more expensive to purchase than Audi Q5s, leading to much higher insurance costs to compensate.
How Much Is Car Insurance for an Audi R8?
Our research found that the most expensive model of Audi to insure is the Audi R8, with an average premium rate of $2,739.25 per year. Here's a look at some average insurance costs for this model from top-rated insurance carriers.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $3,129 |
| Nationwide | $2,744 |
| Progressive | $1,299 |
| Allstate | $3,785 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $228.27 | $2,739.25 |
How Much Is Car Insurance for an Audi A4?
The Audi A4 is much cheaper to insure than the Audi R8, with an average premium rate of $1,567.25 per year. According to our research, it's the second-most expensive model of Audi to insure on this list.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,343 |
| Nationwide | $1,548 |
| Progressive | $1,460 |
| Allstate | $1,918 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $130.60 | $1,567.25 |
How Much Is Car Insurance for an Audi e-tron?
The Audi e-tron is the second-least expensive model we compared to insure, with an average annual premium of $1,537.50. It's a more affordable option than the Audi A4, insurance-wise, but more expensive than the Audi Q5 in terms of coverage.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,164 |
| Nationwide | $1,669 |
| Progressive | $1,521 |
| Allstate | $1,796 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $128.13 | $1,537.50 |
How Much Is Car Insurance for an Audi Q5?
The Audi Q5 is the least expensive model to insure out of the four Audis we compared. At an average of $1,399 per year, its premiums are still just a bit higher than the overall national average for car insurance. But of the models referenced here, it's the most affordable Audi to cover with car insurance.
| Insurance Companies | Average Annual Cost |
|---|---|
| USAA | $1,326 |
| Nationwide | $1,465 |
| Progressive | $990 |
| Allstate | $1,815 |
| Average cost to insure per month: | Average cost to insure per year: |
|---|---|
| $116.58 | $1,399 |
What Other Factors Affect Audi Insurance Costs?
The vehicle's make and model do influence car insurance costs, but so do many other factors. Car insurance rates are also influenced by:
- The driver's credit score
- The driver's age and gender
- The driver's marital status
- Location
- Coverage limits and options chosen
- Deductible amounts chosen
- Discounts applied
The insurance company you choose also impacts car insurance rates, as shown above. Fortunately, there are many different car insurance discounts available from most carriers, including bundling discounts if you get both auto insurance and home insurance through the same company. An independent insurance agent can also help you find the best car insurance rates in your area.
Methodology
To compare average prices for Audi insurance by model, Trusted Choice evaluated average car insurance quotes for each model as if the driver were a 40-year-old male in need of "full coverage," meaning an auto insurance policy that includes the following:
- Bodily injury liability coverage of $100,000 per person and $300,000 per accident
- Property damage liability coverage of $100,000 per accident
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Depending on your location, quotes for coverage may vary. Ask a local independent insurance agent to help you find specific Audi insurance quotes in your area.
FAQs about Audi Insurance
We compared a handful of popular Audi models and quotes from a few top-rated insurance companies for each, and found that the average cost of Audi insurance per year is $1,810.75. This is quite a bit above the overall current national average cost of car insurance, which is $1,311 per year.
We found that the Audi R8 is the most expensive of the models we compared to insure. Car insurance premiums for an Audi R8 average about $2,739.25 annually.
We found that the Audi Q5 is the least expensive model to insure of those we compared. Average car insurance premiums for an Audi Q5 are about $1,399 annually.
How to Save the Most Money on Audi Insurance
Working together with an independent insurance agent can be your best bet at saving the most money possible on Audi insurance. An independent insurance agent can shop and compare policies from many different local carriers for you. Even better, they'll help you score any discounts you're eligible for, to bring those rates down even further.
https://www.moneygeek.com/insurance/auto/audi-car-insurance/