Cheapest Audi Car Insurance (Nov 2023)

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R.E. Fulton
Expert Insurance Writer and Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How much does Audi car insurance cost? 

Since 1899, Audi has earned a reputation for sporty, stylish, and innovative vehicles. From coupes and convertibles to wagons and SUVs, Audi has a machine for everyone. 
The average Audi driver will pay an average yearly cost of $1,152 for
auto insurance
. However, the “average” driver doesn’t exist so your actual rates will be higher or lower, depending on your coverage needs and driver profile.

How to find the cheapest Audi Car Insurance Quotes

To find out what you should be paying for coverage,
request auto insurance quotes
for your specific model and coverage level. Get quotes from multiple companies so you can ensure you’re getting the lowest possible rate. Jerry has helped Audi drivers save an average of $3,340 on their car insurance. Pretty cool! Check out some recent quotes below: 

Best car insurance companies for Audi drivers

There’s no single best company for Audi drivers—but there is a best company for you and your Audi. That’s because
shopping for car insurance
is highly individual.
Your zip code, your specific model, and your driving history are very important. Furthermore, these factors are weighed slightly differently by different companies. Two Audi owners could drive the same model but get two different rates with different providers. 
We did a major survey to better understand how people handle car insurance. For Audi drivers, we asked real policyholders to rate their insurers, from big names like AAA and State Farm to smaller regional providers like Erie and Southern Farm Bureau.

Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
State Farm
Liberty Mutual

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Over 4,000,000 customers and counting

We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
The General
The general is affordable and will work with you on your monthly payments
National General
This helped me better then anyone can imagine!
Loved how easy the process was to get signed up, excited to stay for a while!
This is a great company, with great prices!

Are Audis more expensive to insure?

Audis cost $2,412 to insure compared to the average cost of other cars. The cost of car insurance depends on more than just the make, though.
Car MakeAverage State Minimum Insurance CostAverage Full Coverage Insurance Cost
Land Rover

Cheapest Audis to insure

To spend the least amount of money on insurance premiums, look for the cheapest Audi model to insure: the 2020 Audi A6. The average driver on this model will spend approximately $41 for state minimum coverage on a monthly basis, and an average of $168 for full coverage on a monthly basis. 

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost

Most expensive Audis to insure

The most costly Audi model to insure is the 2018 Audi A5. On a monthly basis, that’s an average of $171 for state minimum coverage or an average of $211 for full coverage. Luxury vehicles come with a luxury price tag!

Car MakeAverage Monthly State Minimum Insurance CostAverage Monthly Full Coverage Insurance Cost
Average costs don’t represent your price, however. Remember that your premium will depend on your specific model, your zip code, and your driving history. It always pays (or rather, saves) to shop around for multiple quotes. 

What factors affect Audi car insurance rates?

Your Audi insurance rates depend on more than just your make. Here are some things that play a role in
how car insurance is calculated
for Audi drivers:
  • Vehicle cost: If you spent a lot on the purchase price of the vehicle, you can expect the replacement price to be higher, too. That’s why collision and comprehensive coverage are higher for sporty, high-performance, and luxury models. 
  • Vehicle age: If you bought a new Audi, it probably has the newest technology. For this extra cost, you’ll pay more to protect it.
  • Cost of parts: Unique models or complicated systems like electric or hybrid powertrains can cost more to repair. To factor in this risk, insurance companies charge higher rates. 
  • Your age: Whether you’re over 70 or under 25, you can expect higher than average rates. Middle-aged adults pay the lowest rates of all age groups. 
  • Your driving record and claims history: Clean records unlock the best rates, whereas people with accidents, tickets, and claims tend to be charged higher-than-average rates. 
  • Where you keep your car: People in lower-density areas tend to pay less for insurance due to the lowest risk of car accidents and auto theft. 

Audi insurance cost for young drivers

Youth is a risk factor for car accidents, according to data from the Insurance Institute for Highway Safety.
Teen drivers
aged 16 to 19 pay the highest auto insurance rates for coverage.
If a teen owns their own car, full coverage policies with collision coverage are highly recommended.

Audi insurance cost for senior drivers

Older drivers face unique risks. Declining mental and physical faculties lead to an elevated risk of getting into accidents. Then, their recovery costs and hospital expenses can be higher than average. For these reasons,
car insurance rates for seniors
are typically higher than average.

Audi insurance cost for drivers with driving violations 

If you have traffic violations on your driving record, you’ll pay higher than average rates to insure your Audi. This is true even if the offense is several years old. Here are some of the violations that could trigger a rate hike: 
  • Speeding tickets
  • DUIs
  • At fault accidents
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Audi drivers with speeding ticket

Speeding can increase the risk of getting into an accident—that’s why speeding tickets are a major factor in determining insurance rates. A single ticket isn’t so bad, but a pattern of tickets indicates that you’re a high-risk driver. Insurance companies will charge you according to the level of risk you present.
Jerry has helped Audi drivers with speeding tickets, like the ones below. Check out their rates and the level of speeding tickets they received.

Cheapest car insurance for Audi drivers with a DUI record

Getting a
DUI conviction
is a serious offense. It can carry jail time in some states. It can also make it difficult to find car insurance. You may have to shop around to find an affordable rate—or find a company willing to sell you a policy.
Audi drivers with DUIs have used to find affordable coverage after a conviction. Take a look.

Cheapest car insurance for Audi drivers after an accident

At-fault accidents are a strong indicator that you’re a risky driver. If you have at-fault accidents on your record, you’ll be charged higher rates for the increased risk. But Jerry has helped Audi drivers save on car insurance after accidents. Here’s a look at their rates.

Cheapest car insurance for Audi drivers with other driving violations on their record

Any traffic violation on your record is an indicator of risk, from
driving on a suspended license
to reckless driving charges. Any violation can cause your car insurance costs to increase.
Here’s a list of popular driving violations. Take a look at how Audi insurance costs fluctuate depending on the violation for these Jerry drivers.

How can I lower the cost of my Audi car insurance?

There are a few tactics you can use to save money on Audi insurance: 
  • Shop around:
    Shopping around for insurance coverage
    is a strategy where you compare quotes from multiple companies to find the lowest rate. A comparison app like Jerry is the fastest way, but you can also open multiple tabs or call several agents. See who offers the best deal for your model and your driver profile.
  • Opt for a smaller model: A smaller Audi usually costs less to insure than an SUV, so pick the smallest vehicle that meets your needs to save money. 
  • Bundle your insurance policies:
    Bundling your home and auto insurance
    with the same company can amount to a lower overall bill. 
  • Ask about discounts: From a safe driver discount to an auto pay discount, you may qualify for
    car insurance discounts
    . Almost every company offers discounts, although the amount varies by provider.
  • Reduce your coverage: Older cars may not need as much coverage if their value has decreased. Consider
    reducing coverage
    to save money on your monthly premium.
  • Raise your deductible: The out-of-pocket payment after an accident is called a deductible. If your budget can afford a higher premium, this can usually save you some money on your premium. 


It depends! They’re both luxury brands with high repair costs. More important than your make is your model—and your personal driving history. Get a free quote if you want to find out for yourself!
It can be helpful. The original warranty covers four years or 50,000 miles. A major perk is that the warranty covers hybrid systems. The only drawback is that there are several categories to choose from. There’s an extended powertrain warranty, a Gold, Platinum, Platinum Term, and Platinum Plus Term plan. Read up on which models face specific risks, and pick your coverage based on what you find.
Yes, Audis are more expensive than non-luxury brand vehicles. But compared to other top-tier brands, they can be fairly affordable. It all depends on your trim level.  
The A3 is the
cheapest Audi
—but that’s based on sticker price alone. If you’re talking about insurance, you’ll have to get quotes to see which company offers the best rate for your unique driver profile.


The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton
Expert Insurance Writer and Editor
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.