Cost of Audi Car Insurance (2024)

Audi has a reputation for high-build quality and sporty, progressive designs.^[1] And with that reputation, you can expect higher car insurance premiums.

The average cost of Audi car insurance is $162 per month, which is slightly higher than the national average of $154. You can expect to spend an average of $214 per month for full-coverage car insurance and $110 for a liability-only policy to insure your Audi.

But these figures are just averages, and the choices you make can help you control your insurance costs. Here’s how.

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Cost of Audi insurance by model

The model of Audi you choose can greatly affect how much you end up spending on your car insurance. This table outlines the average monthly full-coverage quotes for a handful of different Audi models.

Audi A3

Starting at $35,400, the Audi A3 is a true luxury sedan. With a high MSRP comes a high insurance cost. The average cost of a liability-only policy for the A3 is $116, and a full-coverage car insurance policy costs an average of $245 per month. These auto insurance rates are much higher than the averages for other Audi sedans, like the A4, A5, and A6.

Audi A4

The Audi A4 has a lower MSRP than the A3 ($41,200 vs. $35,400), and you’ll spend less on car insurance each month to protect this model.

The cost of insuring an Audi A4 is $163 per month, whereas it costs an average of $181 to insure the A3. This is likely because the A4 is an older model, and newer cars cost more to insure.

Audi A4 allroad

The A4 allroad comes with an even lower monthly insurance cost than the A4 (despite having a higher MSRP of $46,900).^[2] The average cost of insuring the A4 allroad is just $118 per month, and you can also choose a liability insurance policy for an average of $80 per month.

Audi A5

Feeling sporty? Why not go with the Audi A5? This luxury coupe starts at $47,700, and you can expect to insure it for an average of $240 per month for full coverage and $93 per month for liability-only coverage. Those are competitive rates for a vehicle that delivers a thrilling performance, with 261 horsepower, 273 lb-ft of torque, and a swift 0–60 mph acceleration time of 5.3 seconds.

Audi A6

If a sedan is more your speed, you may be considering buying the Audi A6. The MSRP is $57,300, so this Audi model is quite the investment. As such, auto insurance costs are high as well. You should plan to spend an average of $194 per month for a full-coverage car insurance policy or $98 for a liability-only policy.

Audi Q3

Surprisingly, you can snag an Audi SUV for a lot less than the A6 sedan. Prices for the Audi Q3 SUV start at just $37,000. Insurance rates are reasonable as well. You can insure this model, which seats five and comes with two engine options, for an average of $159 per month.

Audi Q5

A pricier Audi SUV option is the Q5 (MSRP of $44,200). If a car with good safety features is a top concern, this may be the right SUV for you. The 2023 Audi Q5 received a 2023 IIHS Top Safety Pick Award (indicating high safety ratings), which may be why the Q5 and Q3 have similar auto insurance costs. While it costs $159 on average to insure the less expensive Audi Q3, it costs $158 per month to insure the Audi Q5.

Audi Q7

The most expensive car on this list is the Audi Q7, with an MSRP of $59,500. It’s easy to see why you’ll spend a lot on car insurance for the Q7. Be ready to spend an average of $226 on a full-coverage policy and $98 on a liability-only policy.

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Best companies for Audi car insurance

While finding a great deal on car insurance is a total win, you also want to make sure you’re choosing a car insurance 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.

These are some car insurance companies that offer lower-price coverage options for Audi drivers, each of which excels in different categories.

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

Military Members, Veterans, and Their Families

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User Reviews	4.9 914 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.	9.4 /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.	$45/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.	$99/mo

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Driver Reviews

4.9

Best choiceBased on 1602 verified guest reviews and ratings

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (914)

Gloria

November 15, 2024

Verified Review

Not Good for Claims

I have storm damage and the claim process is not satisfactory.

Martin

November 11, 2024

Verified Review

Price Shopping

I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.

Rena Sabine

November 8, 2024

Verified Review

Disappointing and inflexible service

My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.

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Our Advice

JD Power

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

880

NAIC Index

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

1.35

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 still 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 Overall Customer Satisfaction Index.

Pros

• High customer satisfaction

• Low premiums

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

Cons

• Only available to active-duty military, 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

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User Reviews	4.2 4,970 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.	$54/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.	$119/mo

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Driver Reviews

4.2

Best choiceBased on 9040 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (4,970)

Charles

November 19, 2024

Verified Review

New Car Price

State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.

Ronald

November 19, 2024

Verified Review

State Farm Experience: 35 Years+

They are forcing me to replace my house roof or they will cancel my policy.

David

November 19, 2024

Verified Review

Too expensive

It's too expensive. They raise rates every six months, even though I've never filed a claim.

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JD Power

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

842

NAIC Index

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

0.78

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 ranked fifth for overall customer satisfaction in the 2023 J.D. Power U.S. Auto Claims Satisfaction 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

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User Reviews	4.0 5,648 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.	9.0 /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.	$54/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.	$119/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 10275 verified guest reviews and ratings

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (5,648)

George

November 19, 2024

Verified Review

Service

The prices increase every year. I would not recommend purchasing.

James

November 19, 2024

Verified Review

Unsatisfactory Experience with Geico

Steer clear. They increase your rate at every renewal.

Edward

November 18, 2024

Verified Review

Experience with Geico

Reliable.

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Our Advice

JD Power

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

835

NAIC Index

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

0.74

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 than average.

Pros

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

• Accident forgiveness available

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

Cons

• High rates for drivers with certain violations, like DUIs

• No rideshare or new car replacement coverage available

• Lower customer satisfaction scores from J.D. Power

Audi car insurance coverages

In many states, a legal obligation exists to maintain at least a liability-only policy as the absolute minimum to safeguard other motorists.^[3] With that said, 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 is typically compulsory and offers coverage for 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). However, it doesn’t cover the costs of repairing or replacing your own vehicle, so you should be prepared to handle those expenses independently.

• 

  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. Another aspect of this coverage is that it will cover the repair or replacement of a cracked or shattered windshield. It also aids in replacing 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 own vehicle but often entails 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. Additionally, 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