Audi Auto Insurance Rates

Audi auto insurance rates are generally more expensive than most other car brands. Affordable Audi auto insurance is much higher than that of Ford or Dodge because parts and repairs are far more expensive. Audi auto insurance costs vary due to numerous factors, and your location is the most important one. For example, premiums for an A5 model are $321 in California. Read our Audi auto insurance review and use our FREE tool to get Audi auto insurance quotes today.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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A brief overview...

  • As a luxury vehicle, Audi auto insurance rates are generally higher than average
  • Audis are one of the most popular luxury vehicles on the road today
  • Three of the five most popular Audis of all time fall into the sedan category

So you are in the market for an Audi. You're asking, "is insurance on an Audi A4 expensive?" or "what is an Audi Q5's insurance cost?" "How does it differ from an Audi Q3 insurance cost?"

We here at autoinsuranceez.com will go through the auto insurance coverage options for these automobiles step by step so you can find the best auto insurance rates for Audis. Looking for Audi car insurance reviews? Read on.

Before we get started, please feel free to type your ZIP code into our helpful tool above to find the best auto insurance for your Audi, or other cars, in your area.

Table of Contents

Audi Auto Insurance Rates

Audis are one of the most popular luxury vehicles on the road today. But as with all luxury vehicles, your insurance premiums can have an equally high price tag. That shouldn’t make it impossible for you to find an affordable deal, though. We'll help you find a group for Audi RS4 insurance, an Audi R8 insurance group, even an Audi S4 insurance group.

The more you know about your type of automobile, the easier it will be to negotiate an affordable price with your insurance company. If you want to learn more about your Audi and also gain the leverage you need to negotiate a lower price, then you’re on the right page.

Most people may not know that Audi is in fact a German brand. This luxury line of vehicles is associated with the Volkswagen group. Back in the 1930s, the Volkswagen group was originally founded as Auto Union and rebranded as Audi in the 1960s.

The ownership of Audi switched hands several times in the following years until it eventually settled into its luxury position as part of the Volkswagen group in 1969.

Three of the five most popular Audis of all time fall into the sedan category. Other than that, the Audi Spyder and the Audi S4 rank among the top competition with the Audi S8, the Audi RS4, and the Audi Quattro.

If you happen to drive any of these popular models, the chart below can give you an idea of how much you might end up paying for a new insurance policy if you shop around today.

Average Monthly Audi Auto Insurance Rates by Model
Audi ModelAverage Monthly California RatesAverage Monthly Texas RatesAverage Monthly Florida Rates
Audi A4 $167$163$137
Audi Q5 $177$180$168
Audi A5$321$325$290
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As you can see, Audi A5 auto insurance rates are much higher in California, Texas, and Florida than for the Audi A4 insurance price and the Audi Q5.

One can also compare rates by the carrier.

The top three most important factors which will determine your monthly premium include the company that underwrites policy, the ZIP code in which you live, and your driving history – aside from the make and model of your vehicle, of course.

Either one of these three factors can create serious differences in the amount of money you pay for your coverage. But if you want a better rate, you can control one of those factors – the insurance company you choose.

And we can help you do that by comparing fast and free Audi auto insurance quotes today. Let's take a look at a table comparing Audi coverage rates from seven carriers.

Average Monthly Audi Auto Insurance Rates by Company
CompaniesAverage Monthly Rates
Nationwide$94
Liberty Mutual$97
State Farm $110
Farmers $111
Allstate $151
The General $189
21st Century $225
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Let's move on to how your Audi's value affects your insurance rates. It's important to note that Audi A6 car insurance will be different than Audi A3 car insurance will be different than Audi S4 car insurance rates and so on and so forth.

How the Value of Audi Affects Auto Insurance Rates

Let's look at a table comparing the 2019 and 2018 sales of various Audi models.

Audi Aveage Monthly and Annual Sales by Model
Audi Model2019 Monthly Sales2018 Monthly Sates% Monthly Change2019 YTD Sales2018 YTD Sales% YTD Change
Audi A62,1263,058-30.48%17,80710,561 68.61%
Audi A42,1521,88114.41%26,43534,311-22.95%
Audi Q7 3,9674,030-1.56%34,64937,417-7.40%
Audi Q56,2688,143-23.03%67,51669,978-3.52%
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As you can see, sales for the Audi A6 were actually higher in 2019 than in 2018, whereas the other three models saw their sales decrease.

Let's move on to Audi auto insurance claims and losses.

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Audi Auto Insurance Claims and Losses

With the help of the Insurance Institute for Highway Safety, let's take a look at some comparative loss ratios for a few Audi models.

What are the loss statistics for bodily injury and property damage liability auto insurance claims for Audi?

While the IIHS does not offer details on bodily injury loss statistics, there is some information regarding property damage loss statistics.

Audi TT Bodily Injury and Property Damage Liability Auto Insurance Loss Statistics
Audi ModelBodily Injury and Property Damage Loss Ratio
Audi TT convertible 4WDN/A
Audi TT 2dr 4WD-37%
Audi TTS 2dr 4WD -51%
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As you can see, for the two models where figures are actually available, the average for property damage was actually better than comparable vehicles in their class.

What are the loss statistics for comprehensive and collision auto insurance claims for Audi?

Let's look at a table showing loss statistics for collision and comprehensive coverage for the three aforementioned Audi models.

Audi TT Collision and Comprehensive Auto Insurance Loss Statistics
Audi ModelCollision Loss StatisticsComprehensive Loss Statistics
Audi TT 2dr 4WD19%N/A
Audi TT convertible 4WD27%N/A
Audi TTS 2dr 4WD33%-7%
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As you can see, the loss ratios for these three models when it came to collision were more extreme than comparable vehicles. This is especially true for the Audi TTS 2dr 4WD which was 33 percent above other the average for other vehicles in its class. This goes to show that insurance on an Audi TT model may run you a bit more than other Audis.

Let's see if there's information on loss statistics for PIP and MedPay.

What are the loss statistics for PIP and MedPay for Audi

Unfortunately, the IIHS does not have information for us when it comes to loss ratios in terms of MedPay and PIP.

Safety Ratings of Audi Cars

We will now utilize the help of the IIHS to find out Audi vehicle safety ratings.

The 2020 Audi A3 4D Wagon had a rating of good in all portions of crashworthiness: Moderate overlap front, side, roof strength, and head restraints & seats.

The 2020 Audi A3 4D Sedan received a good rating in small overlap front: driver-side, small overlap front: passenger-side, moderate overlap front, side, roof strength, and head restraints & seats. It did, however, receive an average and poor rating for its headlights and an acceptable rating for its latch's ease of use.

No matter how safe the vehicle, one's experience behind the wheel will always be a factor. This explains why an Audi A3's insurance cost for an experienced driver will be less than an Audi A3's insurance cost for an 18-year-old.

Let's move on to sizes and classes.

What is the size and class of Audi?

It depends on what Audi you're looking for. One of the most popular, the 2020 Audi A3 Sedan, is a midsize luxury vehicle.

The 2013 Audi A3 is also a midsize, but it's a wagon.

How does the safety of Audi compare to other vehicles?

Because the most recent Audi A3 is a sedan, let's compare midsize sedans' driver deaths to other size Sedans to determine the affects on Audi insurance coverage and quotes.

Driver Fatality Rates by Vehicle Size
Vehicle SizeRegistered VehiclesDeathsRate
Mini1,051,275 8884
Small7,965,422 42754
Midsize9,736,590 39641
Large2,282,524 12253
Very Large1,787,340 4726
All Cars 22,823,151 1,08848
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As you can see, while the midsize was below small sedans in terms of driver deaths, it was above minis, larges, and very large-sized sedans.

We understand that it is all a lot to take in. The good thing is that the Audi tends to be a well-reviewed automobile for safety, and the prices can be reasonable.

Find fast, cheap Audi rates in your area now by typing in your ZIP code into our helpful tool below to begin your search for the best car insurance for your Audi. You'll able to find anything from an Audi S4's car insurance to an Audi Quattro insurance group.

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Frequently Asked Questions: Audi Auto Insurance

#1 – Is insurance higher on Audis?

The average Audi insurance cost is just under $200 a month.

#2 – How much is insurance for an Audi A4?

The  Audi A4 insurance price is, on average, $191 per month.

#3 – What car has the highest insurance rate?

The MBW i8 is currently one of the top-five most expensive vehicle to insure in the United States.

#4 – What is the cheapest car to insure?

The Subaru Outback, on average, only costs $1,392 annually.

#5 – Why is Audi insurance so expensive?

They aren't too expensive, comparatively, but they can be some of the most expensive automobiles to maintain.

References:

  1. https://www.iihs.org/ratings/insurance-losses-by-make-and-model

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