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Compare quotes for Audi car insurance cost, 2023

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
The average cost of Audi car insurance is $2,825 per year. But the exact cost of Audi insurance varies based on your model, driving record, location, and insurance company.
Considering the luxurious and high-performance nature of the Audi brand, mitigating auto insurance costs can be challenging. Many insurance providers will slap you with expensive premiums at the first mention of the four rings—no questions asked.
But with the help of Jerry, the trustworthy super app for car owners, this is not where the negotiation ends. No matter what car your drive, our innovative software will help you find an affordable policy that offers top-of-the-line protection.
So follow along as we go over all the factors that affect the cost of Audi car insurance and how to navigate your way towards an affordable quote.

How much does Audi car insurance cost?

Hold your breath and brace yourself. As a result of high MSRPs and expensive repairs, the average annual cost of car insurance coverage for Audi models is $2,825.
So if you have your heart set on an Audi, you will have to commit more of your paycheck to these expensive premiums.
Still on the fence? Let us be the stiff breeze that pushes you one way or the other. Here’s a rundown of Audi insurance rates compared to other popular makes.

If it’s any consolation, Audi offers some incredible technology features that may help you avoid insurance claims and even help keep your premium in check. For example, driver-safety technologies (Audi pre sense® systems) are helpful for accident prevention, and intuitive display settings (Audi Virtual Cockpit) help enforce safe driving habits.
However, the only way to be sure you’re getting the best deal on Audi insurance is to compare multiple quotes from different insurance companies—which is what Jerry does best. 
In less than 45 seconds, our innovative quote comparison technology analyzes offers from over 55 insurance companies to find the best rate on the coverage you need. As a result, Jerry users report an average of $800 in annual insurance savings!
Want to see the kind of Audi insurance quotes you could get from Jerry? Take a look at the table below—and hear from real Jerry customers!
Quote DateCar
Before Jerry
After Jerry
LocationZip CodeNameAgeInsurance Company
November 9, 2022Audi A6 Premium$139/mo.$73/mo.Jersey City, NJ07306Todd R.35Progressive
October 22, 2022Audi A7 Prestige$210/mo.$90/mo.Rochester Hills, MI48309Jack M.32Bristol West
August 15, 2022Audi Q5 Premium Plus$303/mo.$135/mo.Fort Lee, NJ07024Rhoda A.40Travelers
May 24, 2022Audi Q5 Premium Plus$260/mo.$246/mo.Colorado Springs, CO80915Nellie P.32Progressive
September 18, 2021Audi A4 2.0T$250/mo.$88/mo.Auburndale, FL33823Jesse S.33Mercury

How much insurance do you need for an Audi?

It doesn’t matter if you drive a Volkswagen Jetta or an Audi R8; all insurance policies must meet your state’s minimum required car insurance, which typically starts with liability coverage (both bodily injury and property damage). This coverage ensures you won’t need to pay out of pocket for other drivers’ expenses if you’re at fault in an accident.
However, some states require more coverage to meet minimum legal standards. Discuss with your local insurance agent which of these you may need:
Now that you’ve fulfilled your legal obligation, consider protecting your Audi with a full coverage insurance policy. Here’s what that entails:
  • Collision coverage: Reimburses you for repairs to your vehicle after a collision with another vehicle (after your deductible)
  • Comprehensive coverage: Reimburses you for repairs to your vehicle after a non-collision-related event, like vandalism or a falling object (after your deductible)
It’s important to note that if your vehicle is totaled, collision/comprehensive insurance will only pay you your vehicle's actual cash value (after depreciation). Many times when you own an expensive new Audi model, the actual value of your car ends up being less than what you still owe on your auto loan (especially at the beginning of a loan—a car loses around 10% of its value when you drive it off the dealership lot and around 20% within the first year). 
So here’s your solution: Adding gap insurance to your full coverage plan will cover the difference between your car’s value and the amount left on your loan if your Audi is totaled. Another way to combat depreciation is new car replacement insurance, which will replace your totaled car with an identical Audi model.

Audi car insurance rates by model

One of the biggest factors in determining the cost of your insurance is the make and model of your vehicle. Considering Audi’s lineup starts at around $35,000 and can exceed $150,000, your corresponding insurance price can also vary greatly. So let’s take a closer look at some of Audi’s most popular models.

How much does Audi A3 insurance cost?

Want to join the four-ring club but don’t want to pay top dollar? Well, the Audi A3 is your best bet. As the cheapest Audi, it also has a fairly reasonable insurance price (relatively speaking, of course). 
You may pay more or less than the average insurance rate for an Audi A3 depending on your model year, coverage plan, and demographics. If you have a tighter budget, it may make sense to find an older A3—see your options below.
CarFull CoverageMinimum Coverage
2022 Audi A3 Premium$2,250$868
2021 Audi A3 Premium$2,408$2,549
2020 Audi A3 Premium$2,410$1,564
2019 Audi A3 Premium$2,430$1,628
2018 Audi A3 Premium$3,388$1,963
For more information, check out our in-depth guide to Audi A3 insurance costs! You can expect to find similar pricing for the Audi A4 as well.

How much does Audi Q5 insurance cost?

Sometimes, great safety ratings are just a beneficial byproduct of excellent engineering and innovative technology. 
For example, the Audi Q5 (sportback optional) comes standard with Audi's signature Quattro all-wheel drive powertrain, which helps prevent accidents through its ability to distribute traction in poor driving conditions. The Q5 also has standard automated emergency braking and forward-collision warning, which can help you avoid a collision before you even see it coming.
These embedded safety features should help you avoid filing a claim and may help keep your insurance rates low. But at the end of the day, the average annual cost to insure an Audi Q5 will vary based on your specific driver profile. See below for more pricing information.
CarFull CoverageMinimum Coverage
2022 Audi Q5 Premium$2,250$868
2021 Audi Q5 Premium$2,408$2,549
2020 Audi Q5 Premium$2,410$1,564
2019 Audi Q5 Premium$2,430$1,628
2018 Audi Q5 Premium$3,388$1,963
For more information, check out our in-depth guide to Audi Q5 insurance costs!

How much does Audi e-tron insurance cost?

As of the last couple of years, Audi has jumped head first into the electric vehicle space with their e-tron lineup. Trust us, we are a sucker for the new cool thing here at Jerry.
BUT—car insurance prices have been fairly high for the next generation of EVs. While electric vehicles tend to be more reliable, high MSRPs and expensive repair costs drive up the average insurance rate.
Audi plans to have 20 EVs by 2026 and to be a fully-electric automotive brand by 2032. So, as they bring their e-tron lineup to the mass market, it’s fair to assume these high insurance costs will regress more towards the mean. Stay tuned as we collect the data!
CarFull CoverageMinimum Coverage
2022 Audi A3-E-Tron Premium Plus$2,250$868
2021 Audi A3-E-Tron Premium Plus$2,408$2,549
2020 Audi A3-E-Tron Premium Plus$2,410$1,564
2019 Audi A3-E-Tron Premium Plus$2,430$1,628
2018 Audi A3-E-Tron Premium Plus$3,388$1,963

How much does Audi A8 insurance cost?

Nothing flashy here—just a full-size luxury car that exudes professionalism. But with a starting price of $86,500, car insurance prices for the Audi A8 are also on the high end.
On the topic of professionalism, it may be a good idea to move up the ladder at your company (and get more disposable income) before purchasing an Audi A8. To give you some perspective, here are A8 insurance rates by age and coverage options.
CarFull CoverageMinimum Coverage
2022 Audi A8 Quattro$2,250$868
2021 Audi A8 Quattro$2,408$2,549
2020 Audi A8 Quattro$2,410$1,564
2019 Audi A8 Quattro$2,430$1,628
2018 Audi A8 Quattro$3,388$1,963
For more information, check out our in-depth guide to Audi A8 insurance costs!

How much does Audi R8 insurance cost?

The pinnacle of performance: the Audi R8. Under the hood of this sports car, you’ll find a beastly 562-hp V-10 engine. But even at a base level, you’ll be paying a hefty price tag of around $150,000. And if you want the performance package and Spyder trim level, expect to pay well over $200,000.
Partner this expensive MSRP with high-performance temptation, and you get a recipe for pricey insurance premiums.
CarFull CoverageMinimum Coverage
2022 Audi R8 5.2 Quattro$2,250$868
2021 Audi R8 5.2 Quattro$2,408$2,549
2020 Audi R8 5.2 Quattro$2,410$1,564
2019 Audi R8 5.2 Quattro$2,430$1,628
2018 Audi R8 5.2 Quattro$3,388$1,963
For more information, check out our in-depth guide to Audi R8 insurance costs!

Compare Audi car insurance quotes

Since Audi models typically fall somewhere between a sports car and a luxury vehicle (or a combination of both), insurance providers use both descriptors to justify expensive premiums.
Luckily, Jerry can help you bypass this bias. First, our quote comparison software quickly surveys quotes from over 55 top insurance companies. From there, it narrows your options down to the very best matches for you.
Users who complete this couple-minute process come away with over $800 in average annual car insurance savings. The effort-to-savings ratio is really unbeatable when you compare quotes with the Jerry super app!

Best car insurance companies for your Audi

It’s best to go with a national insurance brand rather than a small mom-and-pop provider when purchasing coverage for an expensive car like an Audi. The bigger companies simply have more financial bandwidth to provide appropriate coverage at a reasonable price point.
Some insurance companies that fit this description include GEICO, Allstate, USAA, and Nationwide
And as mentioned previously, the innovative Jerry app is here to help you make the perfect choice—see how different providers quote for Audi vehicles in the table below.
Insurance Company
Average Cost
Annual Savings with Jerry
National General$3,501$1,536
State Auto$2,539$607
Compare Prices

Audi auto insurance cost by driving record

From the A3 to R8, Audi takes great pride in performance. But with great power comes great responsibility! To keep your auto insurance rates in check, you will have to resist the unrelenting temptation of the Audi driving experience.
For some perspective, a simple speeding ticket can add an average of $1,878 to your annual premium!

Audi car insurance cost by location

Location, location, location. Insurance rates can vary from state to state regardless of what vehicle you drive. Things like population density, traffic patterns, and weather conditions have a strong influence on local insurance premiums.
Want to see how your rates stack up against your state’s average? Take a look at the table below.
Average Cost
Annual Savings with Jerry
Jersey City$3,474$944
Los Angeles$3,196$1,103
San Antonio$3,576$890
Compare Prices

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