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 $159. 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

Best for overall customer satisfaction: State Farm

Best for drivers older than 25: GEICO

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.

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  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.

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  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.

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  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.

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  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.

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  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