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 from a reputable carrier that has experience in insuring luxury autos.
An independent insurance agent can help you find the right coverage for your Audi. They'll get you matched to the policy that includes all the necessary coverage at a great rate. But first, here's a breakdown of Audi insurance costs by model and top-rated insurance company.
Key Takeaways - Audi Car Insurance
- Audi insurance costs an average of $1,937 per year, or approximately $161 per month, for full coverage.
- Audi insurance is a type of car insurance designed to cover this luxury vehicle brand, often including many of the same coverages as standard auto policies.
- Audi vehicles are, on average, less expensive to insure than other luxury brands, although they are more expensive to maintain.
- The Audi R8 is the most expensive model to insure of those we compared, costing an average of $3,068 per year, or approximately $256 per month, for full coverage.
- Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Audi model.
What Is Audi Insurance?
Audi insurance is a type of car insurance policy designed to cover Audi vehicles. These policies include many of the same types of coverage as a standard car insurance policy. However, because Audi is a luxury brand with a higher sticker price and more expensive custom parts, insurance rates tend to be higher than those for standard vehicles.
Recommended coverage options for Audi drivers:
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
Some of these types of coverage are required in many areas. Your independent insurance agent can help you assemble a complete Audi insurance policy with all the necessary coverage.
How Much Does Audi Insurance Cost?
Many Audi owners pay an average of $1,937 per year, or approximately $161 per month, for full coverage car insurance. Audi insurance rates are not as high as some other luxury car brands', such as Lexus or Infiniti, but they are more expensive than those for standard vehicles. Many factors can influence Audi insurance rates, including the price of custom parts, vehicle safety features, driver location and history, and the specific model insured.
Audi Insurance Costs by Popular Models
The model of Audi you drive has a major impact on your car insurance rates. While certain models come with better safety ratings and more affordable parts than others, others have higher theft rates, more expensive parts, and lower safety scores. We've compared average rates for just a handful of popular Audi models to provide a better picture of full coverage car insurance costs.
| Model | Average Annual Car Insurance Cost | Average Monthly Car Insurance Cost |
|---|---|---|
| Audi A3 | $1,500 | $125 |
| Audi Q5 | $1,527 | $127 |
| Audi Q7 | $1,644 | $137 |
| Audi A4 | $1,675 | $140 |
| Audi R8 | $3,068 | $256 |
Whichever model of Audi you drive, an independent insurance agent in your town can help you find affordable car insurance for it.
Is Audi Expensive to Insure Compared to Other Brands?
No, Audi is actually less expensive to insure, on average, than many other luxury brands. Audi's average car insurance rates trend cheaper than those for major brands such as Infiniti, Acura, Lexus, and Volvo. This could be due to less expensive parts, lower vehicle sticker prices, less risk of theft, and better safety ratings. However, Audi insurance rates are certainly more expensive than those for standard vehicles.
Audi's true cost of ownership vs. other luxury brands
While Audi's auto insurance rates may be cheaper than those of other luxury brands, coverage isn't the only cost factored into the price of vehicle ownership. Audi's ownership cost score is considerably higher than most other luxury car brands'.
This score factors in the cost of maintenance and repairs over a set number of years. Take this overall cost into account before deciding to buy an Audi, especially if the lower insurance rates are initially appealing to you. The table below compares the cost of Audi ownership to other luxury brands.
| Car Brand | 10-Year Maintenance & Repair Costs |
|---|---|
| Lexus | $7,400 |
| Acura | $7,725 |
| Infiniti | $10,020 |
| BMW | $11,000 |
| Audi | $11,350 |
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 (where allowed)
- 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.
Add-On Protections Worth Considering for Your Audi
You might be interested in several other types of coverage to complete your Audi insurance policy, such as:
- Gap insurance: If you have a new or financed Audi vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Audi parts during the repair process. Audi OEM parts insurance helps maintain the integrity of your luxury vehicle's repairs.
- Audi warranty insurance: This can extend Audi's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
An independent insurance agent can help you find all the best Audi insurance coverage to add to your policy.
Best Car Insurance Companies for Audi Owners
When covering your Audi, you want to make sure to purchase a car insurance policy from a reputable carrier that delivers on its coverage promises. That's why we've included a few of our top recommendations for the best Audi car insurance companies.
| Car Insurance Company | Overall Carrier Star Rating | Average Monthly Full Coverage Premium | Average Monthly Minimum Coverage Premium |
|---|---|---|---|
| Progressive |
| $143 | $46 |
| Nationwide |
|
$143 | $51 |
| Travelers |
|
$144 | $42 |
Methodology
To compare average prices for Audi insurance by model, we 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.
How to Lower Your Audi Insurance Premiums
Audi insurance premiums tend to be more affordable than those for other luxury vehicles, but there are still ways you can reduce your rates even further.
- Choose a higher deductible: Setting a higher deductible can lower your car insurance premiums, but you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Audi insurance quotes from many different insurers in your area can help you find the best deal. An independent insurance agent can complete this process for you.
- Ask about telematics programs: Your insurance company or Audi may offer telematics programs, such as those that track your driving habits or vehicle usage, to help possibly reduce your insurance rates.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about Audi insurance discounts: Some of the most common discounts offered by many car insurance companies include multi-policy, safety features, anti-theft devices, loyalty, and bundling discounts.
- Work with an independent insurance agent: These agents can access several different carriers near you to help find the best and most affordable insurance for your Audi.
Your independent insurance agent can help you find cheap Audi insurance and add any car insurance discounts you qualify for to reduce your premiums as much as possible.
An Independent Insurance Agent Can Help You Get the Best Audi Insurance Quotes
When it's time to find the most affordable Audi insurance, no one's better equipped to help than a local independent insurance agent. These agents know where to find the best Audi insurance coverage and rates, and can shop and compare quotes and policy options from several carriers for you.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Audi Insurance
Is Audi insurance expensive?
Yes, Audi insurance is expensive when compared to coverage for standard vehicles. However, Audi's average insurance rates are actually cheaper than those for many other luxury vehicle brands, such as Lexus and Acura.
What's the most expensive model of Audi to insure?
We found that the Audi R8 is the most expensive model to insure of those we compared. Car insurance for the R8 costs an average of $3,068 annually, or approximately $256 per month.
What's the cheapest model of Audi to insure?
We found that the Audi Q3 is the least expensive model to insure of those we compared. Average car insurance premiums for an Audi Q3 are about $1,500 annually, or approximately $125 per month.
What is the Audi hazard plan?
Audi's Pure Protection Tire & Wheel Protection with Optional Cosmetic Coverage offers reimbursement for damage to tires and wheels due to road hazards such as potholes, glass, nails, debris, and metal. This coverage can pay for replacements or repairs for up to seven years.
Can you get OEM parts coverage for an Audi?
Yes, you can buy OEM parts coverage for your Audi. An independent insurance agent can help you add this coverage to your policy.
Do Audi safety features reduce insurance rates?
Yes, Audi's safety features and ratings help reduce its car insurance premiums, leading to cheaper prices on average than for other luxury brands.
Sources
https://www.moneygeek.com/insurance/auto/audi-car-insurance/
https://www.audiusa.com/en/shopping-tools/financial-services-hub/audi-pure-protection/tire-and-wheel/
https://www.consumerreports.org/cars/car-maintenance/the-cost-of-car-ownership-a1854979198/
