Cost of Audi Car Insurance (2026)

Audi has a reputation for high build quality and sporty, progressive designs.^[1] And with that reputation, drivers tend to pay higher car insurance premiums.

The average cost of Audi car insurance is $175 per month, which is slightly higher than the national average of $143. Audi drivers pay an average of $229 per month for full-coverage car insurance and $121 for a liability-only policy, based on Insurify data.

Here’s what you should know about finding car insurance for your Audi, no matter which model you drive.

Cost of Audi insurance by model

The model of Audi you choose can affect how much you pay for car insurance. This table outlines the average monthly full-coverage and liability-only quotes for a handful of Audi models.

Audi Model	Average Quote: Full Coverage	Average Quote: Liability Only
A3	$237	$126
A4	$223	$119
A4 Allroad	$201	$107
A5	$245	$130
A6	$238	$126
Q3	$223	$119
Q5	$207	$110
Q7	$218	$116
Q8	$265	$141
S4	$255	$136

Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Cheapest Audi insurance by model

The Audi model you drive will affect how much you pay for car insurance. The insurance company you choose can also influence your rates. USAA, GEICO, and State Farm typically offer the cheapest Audi car insurance.

Best companies for Audi car insurance

While finding a great deal on car insurance is important, you also want to choose a company that can offer you the coverage options, customer service, and features you need. The best way to do this is to compare quotes from several insurers to find a policy that best matches your needs and budget.

The three insurers below offer lower-priced coverage options for Audi drivers, each excelling in different categories.

Best for military members, veterans, and their families: USAA

Military Members, Veterans, and Their Families

Compare Quotes

User Reviews	4.9 4,300 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$51/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$102/mo

Details

4.9

Best choiceBased on 4,300 verified driver reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.9	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

---

Best For

Members of the military community

Outstanding customer service

Competitive rates

Showing recent national reviewsSee all 1,694 USAA reviews

Karl

Verified Review

Good, but Still Needs Work

Reviewed in Kentucky on September 16, 2026

No real problems. However, there is a communication issue between USAA and Kentucky regarding insurance, which resulted in having to purchase new plates.

Irving

Verified Review

Fair

Reviewed in California on September 16, 2026

My rates went up by $1,000.

Carolyn

Verified Review

USAA: Not What It Used to Be

Reviewed in New Jersey on September 16, 2026

USAA used to be good, but now it’s way too expensive.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA exclusively serves current and former members of the military and their immediate families and is the seventh-largest insurance company in the U.S. by market share. USAA offers banking, investing, and retirement services in addition to numerous insurance products, including auto, homeowners, renters, and more. 

Auto policyholders can qualify for discounts for bundling, insuring multiple vehicles, and living on a military base. AM Best gives USAA an A++ (Superior) financial strength rating, and the insurer ranked best in most regions in J.D. Power’s 2024 U.S. Auto Insurance Study.

Pros

• High customer satisfaction

• Low premiums

• SafePilot program rewards good driving with a discount of up to 30%

Cons

• Veterans, military spouses, or children of service members or veterans

• No 24/7 customer phone support

• Customer reviews are mixed for service and claims processing

Best for overall customer satisfaction: State Farm

Customer Satisfaction

Compare Quotes

User Reviews	4.1 21,125 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$103/mo

Details

4.1

Best choiceBased on 21,125 verified driver reviews and ratings

	State Farm's score	Industry average
Coverage options	4.1	3.2
Customer service	4.4	3.6
Discounts	3.9	2.9
Policy transparency	3.9	3.1
Value	3.7	2.9

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

---

Best For

Customer service

Competitive rates

Discounts for safe drivers

Showing recent national reviewsSee all 8,118 State Farm reviews

Jeffrey

Verified Review

State Farm’s High Rates

Reviewed in Nevada on September 17, 2026

Rates are too high for the number of miles I drive.

Tee

Verified Review

Overpriced and Keeps Going Up

Reviewed in Nevada on September 17, 2026

Way overpriced—twice as much as I paid in CA, and it just went up another $75. I’ve been with you for over 15 years, and I’m shopping around now.

Linda

Verified Review

Average

Reviewed in Virginia on September 16, 2026

My monthly payment just increased for no reason. I'm shopping for a new company.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest U.S. auto insurer by market share and has operated for more than 100 years. Available in all 50 states, State Farm stands out for its customer service, extensive discounts, and optional coverages. The insurer ranks highly for customer satisfaction in many regions in the J.D. Power 2024 U.S. Auto Insurance Study.

Safe drivers can enjoy many State Farm discounts, including ones for young motorists who complete an approved driver training course, for having a vehicle with certain safety equipment, and for going three years or longer without violations or at-fault accidents.

Pros

• High rates of customer satisfaction

• Rideshare insurance available

• Savings for bundling auto with home, renters, condo, or life insurance

Cons

• No gap insurance offering

• May not be the cheapest choice for drivers with violations

• Accident forgiveness limited to longtime customers with clean driving records

Best for drivers older than 25: GEICO

Drivers Older Than 25

Compare Quotes

User Reviews	4.0 20,717 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$79/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$144/mo

Details

4.0

Best choiceBased on 20,717 verified driver reviews and ratings

	GEICO's score	Industry average
Coverage options	4.0	3.2
Customer service	4.1	3.6
Discounts	3.9	2.9
Policy transparency	4.0	3.1
Value	3.9	2.9

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

---

Best For

Teen drivers

Cheap rates

Accident forgiveness

Showing recent national reviewsSee all 8,186 GEICO reviews

James

Verified Purchase

Undecided

Reviewed in Washington on September 16, 2026

Everything’s been good with GEICO so far. I did have to file a claim, and my only complaint is that they’re not keeping me informed.

Marjorie

Verified Review

Good

Reviewed in Washington on September 16, 2026

Okay, expensive and constantly going up!!!

Larry

Verified Review

G Co

Reviewed in Minnesota on September 16, 2026

The insurance company is expensive. Claims are slow, and phone calls aren’t returned.

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products.

The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints for a company of its size.

Pros

• Good rates for good drivers, seniors, and young drivers

• Accident forgiveness available

• A++ (Superior) financial strength rating from AM Best

Cons

• No rideshare or new car replacement coverage available

• Slightly lower customer satisfaction scores from J.D. Power

Average cost of Audi insurance by state

Your location, down to your ZIP code, affects your car insurance rates. The chart below shows how much drivers in different states pay for Audi car insurance across all models.

How to ensure you have enough coverage on your Audi

Every U.S. state except New Hampshire legally requires drivers to carry a minimum amount of liability insurance.^[3] But you have the option to explore a few different categories of auto insurance products for enhanced protection.

If you’re not sure what types of coverage are best for you, you can always ask an insurance agent for detailed information about how each type of coverage works.

• 

  Liability-only coverage

  Liability insurance covers damages you might cause to others in an accident. It encompasses bodily injury liability (for medical bills) and property damage liability (for repairing or replacing others’ belongings). But it doesn’t cover the costs of repairing or replacing your vehicle.

• 

  Comprehensive coverage

  Comprehensive insurance protects your vehicle against non-collision incidents — such as theft, vandalism, natural disasters, and collisions with animals — and it typically involves a deductible. Comprehensive insurance will also cover the repair or replacement of a cracked or shattered windshield. It also helps replace your vehicle when substantial damage occurs.

• 

  Collision coverage

  Collision insurance covers the cost of repairing your vehicle after a collision with another car or object, regardless of fault. This type of coverage is valuable for safeguarding your vehicle but often comes with a deductible that you must pay when filing a claim.

• 

  Personal injury protection (PIP) or medical payments coverage

  In the event of a car accident, your car isn’t the only thing at risk of damage. You and your passengers may sustain injuries as well. PIP and medical payments coverage handle your medical expenses and, at times, those of your passengers, regardless of fault. This type of coverage often includes supplementary benefits, such as compensating for lost income due to injuries and covering funeral expenses, thus offering comprehensive personal injury protection.

• 

  Uninsured/underinsured motorist coverage

  This coverage comes into play when an at-fault driver either lacks insurance or has inadequate coverage. It covers medical expenses, lost wages, and property damage, ensuring that you aren’t left financially vulnerable in such circumstances. This coverage also protects you in hit-and-run situations or if you’re struck by an uninsured or underinsured motorist while walking as a pedestrian.

Audi car insurance FAQs

If you want more insight into what to expect when buying Audi car insurance, here are the answers to some commonly asked questions about insuring these vehicles.

Which company has the cheapest Audi insurance?

USAA typically offers the cheapest Audi car insurance policies on average for Audi drivers. GEICO, State Farm, and Allstate also charge low insurance rates for Audi owners.

Are Audis expensive to insure?

On a national scale, the typical monthly cost for car insurance stands at $143. In contrast, Audi owners can anticipate slightly higher monthly expenses, averaging around $175.

Do luxury cars have more expensive car insurance?

Luxury cars generally come with higher car insurance costs compared to standard vehicles. This is because luxury cars often have higher repair and replacement costs, use advanced technology that’s expensive to fix, and are at a greater risk of theft. Insurers typically charge higher premiums to ensure they can cover these expenses and the overall increased value of luxury cars.

Why is Audi insurance so high?

Audi car insurance is likely higher than the national average rate due to the fact that Audi vehicles are more expensive than many other makes on the market. An Audi is a luxury car, and luxury vehicles are notorious for having high repair costs and being at risk of theft. This can cause car insurance companies to increase premiums to help offset the costs of paying out future claims.