Best Car Insurance for Audi 2022

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Car Insurance for Audi

On average, Audi drivers pay ${annualpremium} each year for car insurance. But depending on the model you have, your insurance rates could vary. A A4 2.0T Cabriolet Quattro costs $1,735 less more per year to insure than a Q7 3.6 Quattro Premium S-Line.
The Audi brand has been around since the early 20th century, but its modern era essentially began in the 1960s after it was acquired by Volkswagen. Now, Audi is a luxury brand known for its well-crafted interiors, high performance, and trademark Quattro all-wheel-drive system. It’s among the best-selling luxury vehicle brands in the world.
When purchasing an Audi, you’ll want to make sure you have the right car insurance for your vehicle.
Insurance companies will base their rates on the model of car you drive, alongside unique personal demographics. If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls.
Here are some real quotes from Jerry customers who saved money when insuring their Audi.
Quote DateCarCity, StateZip CodeAgeCarrier
Before Jerry
After Jerry
September 26, 2021Audi A4 2Richmond, VA2322530Mercury$178/mo.$61/mo.
September 14, 2021Audi A4 Premium PlusFranklin Township, NJ0887346Progressive$138/mo.$85/mo.
July 19, 2021Audi Q7 Premium PlusAcworth, GA3010130Progressive$190/mo.$106/mo.
August 27, 2021Audi A5 Premium PlusUvalde, TX7880127Progressive$180/mo.$143/mo.
August 18, 2021Audi A3 PremiumFresno, CA9372631Allstate$218/mo.$182/mo.
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Insurance for Audi models

Even if a vehicle has the same make, the insurance premiums for your Audi can vary depending on the age and model of the vehicle.

Insurance for Audi based on the year of the car

While a shiny new car is nice to drive, it won’t do you any favors when it comes to insurance costs. Thanks to depreciation, older cars tend to have lower insurance premiums.
According to Edmunds, a new car loses 23.5% of its value in the first year and 60% of its value in the first five years. And the less your car is worth, the less it costs to repair or replace if you need to make a claim. For you, this means insurance savings.
Drivers with newer cars also tend to lease or finance their vehicles and therefore must have full-coverage insurance. You’ll always pay more for full coverage than for just the mandatory minimum insurance required by your state.
According to Jerry’s internal data, the cheapest years for Audis are 1997 and 1999.
The most expensive years for Audis are 2015 and 2014.
Year
Average Cost
Annual Savings with Jerry
2021$3,151$1,046Compare Prices
2020$2,878$795Compare Prices
2019$4,587$2,211Compare Prices
2018$3,261$1,077Compare Prices
2017$3,424$964Compare Prices
2016$4,453$1,793Compare Prices
2015$3,868$1,012Compare Prices
2014$3,698$980Compare Prices
2013$3,639$1,016Compare Prices
2012$3,117$1,075Compare Prices
2011$3,181$1,144Compare Prices
2010$2,515$893Compare Prices
2009$3,682$1,326Compare Prices
2008$3,866$2,027Compare Prices
2007$2,481$738Compare Prices
2006$2,741$765Compare Prices
2005$2,979$778Compare Prices
2004$2,274$524Compare Prices
2003$2,923$772Compare Prices
2002$1,525$343Compare Prices
2001$2,059$181Compare Prices
2000$3,437$1,523Compare Prices
1999$1,623$753Compare Prices
1997$900$119Compare Prices
1991$2,880$1,692Compare Prices
Key Takeaway Since older Audis typically cost less to repair or replace than newer ones and may not be leased or financed, they tend to have cheaper insurance rates.
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Insurance for different models of Audi

The type of Audi you own can significantly impact your insurance rate. This is mainly because different models have different repair and replacement costs.
In general, more expensive cars require bigger payouts from insurers—which means bigger insurance premiums for you. This also applies to the size of the vehicle, as larger models will have steeper maintenance and repair costs compared to their smaller counterparts.
As one of the largest cars in their lineup, the Audi Q7 has one of the higher average insurance rates for an Audi. This is due to its larger size and premium features.
On the other hand, an A3 will be one of the least expensive Audi models to insure. While it’s still a luxury vehicle, this sedan is one of the smallest and cheapest in the Audi lineup.
If you want to learn more about car insurance costs for some of the most popular Audi models, check out the links below.
Key Takeaway Your car model affects your insurance rates. The more expensive the car, the more insurance tends to cost.
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Full coverage vs. minimum coverage for your Audi

Your Audi insurance rate will depend on the type of coverage you choose. But remember—the majority of states have minimum insurance requirements that you must meet. Liability insurance protects others and their property if you cause an accident, but it won’t cover you.
Here are the basic types of insurance that your state may require:
Coverage typeProtection offered
Bodily injury liability (per person and accident)Pays for the costs associated with the injuries you’ve caused to others
Property damage liability (per accident)Pays for the costs associated with the damage you cause to other people’s vehicles or property
​​Uninsured motorist protection (per person and per accident)
Your state may also require personal injury protection (PIP) to pay for your medical expenses—especially if you live in a no-fault state.
​​While these are the mandatory minimums, it’s almost always a good idea to purchase additional coverage for your Audi if you can afford it. Even a relatively minor accident can result in thousands of dollars of damage and medical bills. If you’re at fault but don’t have enough coverage, you will be liable for out-of-pocket costs.
Full coverage insurance typically includes:
Coverage typeProtection offered
Collision coverageCovers the costs associated with collisions with another vehicle or object
Comprehensive coverageCovers costs of damages from an event other than a collision, like a weather event, theft, or vandalism.
The average annual insurance premium for an Audi is $2,114 per year for minimum car insurance and $2,891 for full-coverage insurance. When you consider all makes and models, the average insurance premium in the US is $1,764 per year for minimum car insurance and $2,486 for full-coverage insurance.
Here’s what it costs to insure an Audi with minimum coverage and full coverage before and after switching with Jerry.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Audi$2,779$1,954$2,316$1,471$2,953$2,015
Audi
All Coverage Before Jerry
$2,779
All Coverage After Jerry
$1,954
Minimum Coverage Before Jerry
$2,316
Minimum Coverage After Jerry
$1,471
Full Coverage Before Jerry
$2,953
Full Coverage After Jerry
$2,015
As is true of most makes, a more expensive car will be more expensive to insure. Audi manufactures luxury vehicles, making them more expensive to insure than their more affordable counterparts.
However, compared to similar luxury brands—like Mercedes and Lexus—insurance premiums for Audis tend to be above average.
If you’re comparing the prices of insurance for similar cars, here are the insurance costs for other brands:
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What impacts your insurance costs for Audi

While the car’s model, age, and type of insurance will determine some baseline insurance costs, providers will also consider your individual demographics and other variables when setting your rates.

The model of Audi you drive

Your car’s model can substantially impact your insurance premiums. As mentioned above, opting for the smaller A3 will keep your insurance premiums less than the larger Audi Q7. But your insurance can vary even between models.
There are usually different trim levels—versions of the same model that includes different features—that come with variances in their prices.
For example, here’s what insurance you might want to consider for a Q7.
TrimFeaturesRecommended coverageReason for coverage
[Q7 Premium]https://getjerry.com/car-insurance/audi-q7-premium-insurance-cost)The entry-level trim, the Premium features leather upholstery, a panoramic sunroof, and Audi’s MMI user interface.Roadside assistanceThis insurance will protect you if you ever get stranded in your Audi and will cover towing and labor costs.
Q7 PrestigeThe range-topping trim adds larger 20-inch wheels, four-wheel steering, and a premium sound system.[Sound system coverage] (https://getjerry.com/car-insurance/sound-system-insurance)With the availability for system upgrades, sound system coverage will protect you if your updated audio equipment gets stolen.

Your insurance company

Every insurance company has its own (secret!) formula that it uses to calculate insurance premiums. This means that if you compare the exact same coverage from multiple carriers, you’ll likely end up with a variety of different quotes.
You’ll want to ensure that you’re not giving up the coverage you really need to save a bit of cash. Doing so could leave you stuck financially in the event of an accident.
To find the best policy and premium, you’ll probably want to compare quotes from multiple insurers. But if you’ve ever done this, you know how monotonous and time-consuming it can be.
To make sure you’re getting the right coverage for the best price, comparison shop with Jerry.
As a licensed broker, Jerry does all the hard work of finding the cheapest quotes from name-brand insurance companies and finalizing your new car insurance. Jerry will even cancel your old policy for you.
And to ensure you always have the lowest rate, Jerry will send you new quotes every time your policy comes up for renewal, so you’re always getting the coverage you want at the best price.
Jerry customers save an average of $879 a year. Here’s what Audi drivers paid for car insurance before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
National General$4,591$2,163Compare Prices
Dairyland$5,855$1,428Compare Prices
Progressive$3,258$1,048Compare Prices
Kemper$2,811$1,029Compare Prices
Safeco$3,549$1,014Compare Prices
Allstate$3,204$824Compare Prices
Nationwide$2,725$775Compare Prices
Travelers$2,956$742Compare Prices
State Auto$2,835$636Compare Prices
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Your age

Insurance companies look to your age to help them understand your experience and risk level.
On average, young drivers will pay more than older drivers over the age of 25. Younger drivers tend to get into more accidents and therefore pay more, while older drivers with lots of experience usually have lower insurance premiums.

Your driving record

Insurance companies also consider traffic violations when setting premiums.
A minor speeding ticket or failure to stop on your record might lead to a small increase in your insurance rate. Serious offenses, like driving under the influence (DUI) and careless driving, have a far more significant impact on your premiums and will remain on your record for many years.
But if you improve your driving habits and maintain a clean record moving forward, you’re likely to see your premiums drop.
Here are some common insurance premiums for Audi drivers with previous infractions:
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Where you live

Where you live can have a significant impact on your insurance rate, since different areas have different accident rates, crime rates, and incidences of natural disasters. Premiums for Audis can even vary widely between cities in the same state.
For your insurer, it’s all about risk. If your city has lots of car thefts, collisions, or severe weather events such as hail storms or hurricanes, you can expect to pay more for your coverage since there’s a greater risk for your insurance company.
According to our data, there is a high percentage of Audi drivers in cities including Sugar Land (TX), Jacksonville (FL), Dallas (TX), Virginia Beach (VA) and Los Angeles (CA).
The cheapest car insurance for Audi for Jerry users is in Saint Marys (GA) and Layton (UT).
The most expensive car insurance for Audi for Jerry users is in Middletown (NY) and Pooler (GA).
No matter where you live, your demographics, or the model of Audi you drive, you can find the best rates on car insurance by shopping with Jerry.
It’s this simple: download the Jerry app and answer a few questions that take less than a minute. Choose from competitive quotes from over 50 top insurance companies and let Jerry take care of the rest.
No long forms, no calling around, no hard work—just savings!

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