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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The average Audi driver pays about $180 per month for car insurance, which is more than the national average. High MSRPs, expensive parts, advanced tech, and luxury branding may all contribute to higher premiums for Audi vehicles.[1] Rates can also vary based on your model, driving history, and location.
But no matter your driving background or car model, getting affordable car insurance coverage that meets your needs always starts with understanding your options. In this guide, we provide all the essential details for Audi drivers, including average insurance costs, top companies, and the best ways to save money on coverage.
Car insurance for an Audi averages $232 per month for full coverage and $128 per month for liability coverage.
Audi drivers can find the cheapest coverage with Travelers, at an average of $98 per month.
The A4 Allroad is the cheapest Audi model to insure, while the S4 is the most expensive.
The table below shows the average monthly car insurance premiums you can expect to pay for an Audi, according to Compare.com data. We also break down how insurance rates compare to national averages for both liability insurance and full coverage.
Vehicle Type  | Average Monthly Premium: Liability Coverage | Average Monthly Premium: Full Coverage | Overall Average for All Policies |
|---|---|---|---|
| Audi | $128 | $232 | $180 |
| All makes | $108 | $193 | $150 |
Audi insurance rates are higher than the national average — especially for full-coverage policies. Overall, Audi drivers spend about $30 more per month on car insurance compared to other makes.
Comparing quotes can save you up to $867.†
The Audi model you drive can affect your car insurance rates, and coverage type matters, too. Liability coverage costs less, but it only covers damage you cause to others. On the other hand, full coverage protects your property with collision insurance and comprehensive coverage.
The table below shows average monthly insurance premiums by Audi model and coverage type, according to Compare.com data.
Model | Average Liability Premium | Average Full-Coverage Premium |
|---|---|---|
| A3 | $134 | $243 |
| A4 | $127 | $232 |
| A4 Allroad | $111 | $201 |
| A5 | $136 | $247 |
| A6 | $133 | $241 |
| A7 | $139 | $252 |
| A8 | $139 | $253 |
| Q3 | $122 | $222 |
| Q5 | $114 | $207 |
| Q7 | $119 | $217 |
| S4 | $152 | $277 |
| S5 | $144 | $262 |
| SQ5 | $126 | $229 |
The S4 is the most expensive to insure, averaging $277 per month for full coverage. The A4 Allroad is the most affordable, at $201 per month.
Next, we’ll break down the cheapest insurance companies for Audi drivers.
Even though Audi insurance tends to cost more than average, you can still find affordable coverage by comparing car insurance quotes. We found that some insurers consistently offer lower insurance rates.
Here are the cheapest car insurance companies for Audi drivers, according to Compare.com.
Company | Average Monthly Premium |
|---|---|
| Travelers | $98 |
| Safeco | $117 |
| State Auto | $117 |
| Root | $125 |
| Mercury | $127 |
Travelers offers Audi drivers the cheapest coverage, at $98 per month. But averages don’t tell the whole story. Many factors can influence your rates, so compare quotes from several insurance companies — it’s the easiest way to know you’re getting the best deal.
Next, we highlight the three insurance companies we think Audi drivers should get quotes from first.
You won’t find one best insurance company for every driver. The best insurer for you ultimately depends on personal factors like your age, ZIP code, car model, budget, and more.
Still, some companies stand out because of affordable rates, solid coverage options, and strong customer reviews.
Here are our picks for Audi drivers.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out for Audi drivers looking for responsive claims service and financial stability. The insurer’s Drive Safe & Save program gives an automatic enrollment discount and up to 30% more savings based on driving behavior.
With thousands of local agents, strong coverage options, and excellent customer satisfaction, State Farm blends personal support with reliable service for maximum or minimum coverage car insurance policies. But Audi owners in Massachusetts or Rhode Island must look elsewhere.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers flexible coverage options and policy perks for Audi drivers. The Premier Responsible Driver Plan includes accident forgiveness, minor violation forgiveness, and decreasing deductibles. Its usage-based program, IntelliDrive, may reduce your rates up to 30% if you show safe driving habits.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco is a solid pick for Audi drivers who commute daily or put high mileage on their car. Its telematics program, RightTrack, rewards safe driving without penalty. You’re guaranteed a discount just for participating and can earn up to 30% for good habits. This also makes the company well-suited for high-mileage drivers.
That said, customer satisfaction scores trail industry averages, so a strong agent relationship could make a big difference.
Excellent customer service
Cheaper-than-average rates
Strong coverage options for luxury vehicles
Limited online tools
Smaller agent network
Fewer discounts than some competitors
Compare personalized quotes from dozens of top companies in minutes.
Where you live plays a significant role in how much you’ll pay to insure your Audi. State and local factors like traffic, accident rates, theft rates, weather, and minimum coverage requirements all influence car insurance rates.[6]
Use this map to compare average Audi insurance costs by state and see whether your current rate aligns with average costs, according to our data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $118 |
| Arizona | $159 |
| Arkansas | $227 |
| California | $228 |
| Colorado | $186 |
| Connecticut | $361 |
| Delaware | $220 |
| Florida | $232 |
| Georgia | $236 |
| Idaho | $120 |
| Illinois | $148 |
| Indiana | $128 |
| Iowa | $108 |
| Kansas | $146 |
| Kentucky | $232 |
| Louisiana | $214 |
| Maine | $141 |
| Maryland | $327 |
| Massachusetts | $179 |
| Michigan | $278 |
| Minnesota | $179 |
| Mississippi | $179 |
| Missouri | $174 |
| Montana | $144 |
| Nebraska | $167 |
| Nevada | $283 |
| New Hampshire | $109 |
| New Jersey | $188 |
| New Mexico | $137 |
| New York | $457 |
| North Carolina | $89 |
| North Dakota | $137 |
| Ohio | $121 |
| Oklahoma | $154 |
| Oregon | $153 |
| Pennsylvania | $155 |
| Rhode Island | $136 |
| South Carolina | $260 |
| South Dakota | $115 |
| Tennessee | $134 |
| Texas | $211 |
| Utah | $173 |
| Vermont | $129 |
| Virginia | $172 |
| Washington | $133 |
| District of Columbia | $270 |
| West Virginia | $137 |
| Wisconsin | $121 |
| Wyoming | $115 |
Let’s see how key factors affect Audi insurance premiums next — and discuss what you can do to lower your insurance costs.
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Choosing the cheapest premium is only part of the equation. You need at least minimum coverage to protect your Audi, but more robust coverage is often the better choice. Here’s how to choose the right coverage:
Meet minimum coverage, but consider more. Required minimum coverage liability limits are often too low to protect you fully.
Consider liability vs. full coverage. Liability insurance covers others, while full coverage adds protection for your vehicle, such as comprehensive and collision coverage.
Match coverage to car value. Audis with new or higher trim levels often need full coverage and gap insurance, while older models may not.
Set a deductible you can afford. A higher deductible lowers your premium but increases your out-of-pocket expense.
Consider windshield protection. If you have an Audi with a smart windshield, consider buying windshield protection to cover a $1,500-or-more replacement cost.[7]
Uninsured motorist coverage, vehicle service protection, roadside assistance, and other options may also be suitable. Audi also offers vehicle service protection plans.
Let’s discuss some simple strategies to get cheaper rates for Audi car insurance.
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Driving a luxury car like an Audi doesn’t mean you have to pay luxury prices for insurance. With a few strategic moves, you can lower your premium without compromising coverage.
Try these five tips to save:
Leverage safety features (and good driving). Enroll in a telematics program to earn discounts for safe driving — a smart match for Audi’s advanced driver-assistance systems.
Bundle your policies. Combine your Audi car insurance with homeowners or renters coverage to unlock multi-policy savings.
Raise your deductible. Opt for a higher deductible to reduce your monthly premium. Just make sure you can afford the out-of-pocket cost.
Ask about car insurance discounts. Some companies offer lower insurance rates for vehicles with anti-theft systems, adaptive cruise control, and other advanced features.
Compare insurance quotes frequently. Insurance rates fluctuate, and no company is the cheapest for everyone. Shop around annually to ensure you’re still getting the best deal.
Compare personalized quotes and find the best insurer for your Audi.
While shopping for an Audi auto policy, you’ll likely have a few questions. Here are quick, straightforward answers to help you make an informed decision.
The average cost to insure an Audi is approximately $180 per month, according to Compare.com data. That’s $128 per month for minimum coverage and $232 for full coverage.
Yes. Audis generally cost more to insure than many other vehicles, according to our research. Their luxury status, advanced technology, and higher repair costs result in higher car insurance premiums. Windshield protection, vehicle service protection, and additional endorsements can also raise your costs.
The Audi A4 Allroad is among the most affordable models to insure, with an average full-coverage premium of $201 per month, according to Compare.com data. Regardless of the model, minimum coverage is almost always cheaper than full coverage (but not always a better choice).
It depends. Audi models tend to cost more to insure than standard vehicles. If you’re upgrading from a brand that’s cheaper to insure, you’ll likely see an uptick in your car insurance costs.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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