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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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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 cost of Audi TT car insurance is $148 per month, which is about 9% below the national average of $163.
USAA offers the cheapest coverage for the TT, averaging $82 per month.
The TT’s luxury sports car design and high repair costs increase premiums, but advanced safety features can lower your cost.
Average Audi TT insurance rates vary based on the policy type and coverage you choose. Liability-only coverage pays for damage and injuries you cause to others, but it doesn’t cover your own vehicle damage.
Full-coverage policies include liability, comprehensive (which protects against non-collision claims like theft and weather), and collision coverage (which pays for repairs to your TT after a crash).
The table below shows average monthly Audi TT premiums compared to the national average of all vehicles, according to our data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Audi TT | $95 | $200 | $148 |
| All vehicles | $113 | $212 | $163 |
Audi TT liability insurance averages $95 per month, which is about 16% below the national average. Full coverage averages $200 per month, roughly 6% below the average for all vehicles.
Next, let’s explore how rates vary based on factors like driver age, state, driving record, and model year.
Comparing quotes can save you up to $867.
Even for the same vehicle, car insurance rates can vary widely depending on the company. Comparing quotes from multiple insurers is the best way to get the lowest price on coverage for your TT.
Below are the cheapest insurance companies for the Audi TT, according to our data.
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $91 |
| Allstate | $116 |
| GEICO | $127 |
| CSAA | $139 |
| American Family | $124 |
| Progressive | $154 |
| Nationwide | $150 |
| Travelers | $157 |
| Farmers | $178 |
| Liberty Mutual | $212 |
| Amica | $400 |
USAA offers the cheapest Audi TT insurance, at $82 per month. That’s $66 less than the overall monthly average for this model.
Next, we’ll go into more detail about the three cheapest companies and why these insurers may be a strong choice for Audi TT owners.
| User Reviews | 4.3 |
|---|---|
| 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. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA consistently ranks as one of the cheapest options for Audi TT drivers. Members who park on base can get up to 15% off their premiums, and safe or low-mileage drivers save even more through SafePilot or SafePilot Miles.
While it received low ratings on Trustpilot, USAA earns high marks for customer service and claims satisfaction. With USAA, it’s easy to manage your policy online or through the mobile app.
| 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 |
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 offers affordable rates for Audi TT drivers, especially if you have a clean driving record. In addition to a good driver discount, you can save up to 30% through the Drive Safe & Save program for maintaining safe driving habits.
Students may also qualify for extra savings with Steer Clear, driver training, and good-student discounts.
Widely available
Personalized service from local agents
High claims satisfaction rating[3]
Gap insurance not available
Higher rates for spotty records
Not available in Massachusetts or Rhode Island
| User Reviews | 3.5 |
|---|---|
| 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. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
If you’re buying an Audi TT and skipping a big down payment, Allstate is a great choice to reduce your costs. The insurer’s gap insurance can help protect your finances in case of a total loss. It covers up to $50,000 if you total your TT and owe more than it’s worth, plus up to $1,000 toward your deductible, a rare perk among insurers.
24/7 roadside assistance available
Extended warranty coverage available
Bundling savings of up to 25%
Fewer available add-ons
No military discount
Drivewise can raise rates
Audi discontinued the TT after the 2023 model year, making it the most recent version available. The starting price for a 2023 TT is around $53,000, which helps explain its higher insurance costs.[4] Insurers factor in the vehicle age, value, and repair or replacement costs when pricing car insurance.[5] As your Audi TT ages, your car insurance premium should drop.
Take a look at the table below to see the average monthly premiums for different TT model years, according to our data.
TT Model Year | Average Monthly Premium |
|---|---|
| 2023 | $178 |
| 2022 | $178 |
| 2021 | $172 |
| 2020 | $164 |
| 2019 | $161 |
| 2018 | $155 |
| 2017 | $152 |
| 2016 | $148 |
| 2015 | $144 |
| 2014 | $143 |
| 2013 | $135 |
| 2012 | $131 |
| 2011 | $128 |
| 2010 | $126 |
| 2009 | $121 |
| 2008 | $120 |
| 2006 | $117 |
| 2005 | $113 |
| 2004 | $111 |
| 2003 | $110 |
| 2002 | $110 |
| 2001 | $110 |
| 2000 | $109 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $153 |
| CSAA | $167 |
| Progressive | $185 |
| Nationwide | $181 |
| Travelers | $189 |
| Farmers | $214 |
| Liberty Mutual | $255 |
| Amica | $481 |
Company | Average Monthly Premium |
|---|---|
| USAA | $99 |
| State Farm | $110 |
| Allstate | $140 |
| American Family | $149 |
| GEICO | $153 |
| CSAA | $167 |
| Nationwide | $181 |
| Progressive | $185 |
| Travelers | $189 |
| Farmers | $214 |
| Liberty Mutual | $255 |
| Amica | $481 |
Company | Average Monthly Premium |
|---|---|
| USAA | $95 |
| State Farm | $106 |
| Allstate | $135 |
| American Family | $144 |
| GEICO | $148 |
| CSAA | $162 |
| Nationwide | $175 |
| Progressive | $179 |
| Travelers | $183 |
| Farmers | $207 |
| Liberty Mutual | $247 |
| Amica | $465 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $129 |
| American Family | $138 |
| GEICO | $141 |
| CSAA | $154 |
| Nationwide | $167 |
| Progressive | $171 |
| Travelers | $174 |
| Farmers | $198 |
| Liberty Mutual | $235 |
| Amica | $444 |
Company | Average Monthly Premium |
|---|---|
| USAA | $89 |
| State Farm | $99 |
| Allstate | $126 |
| American Family | $135 |
| GEICO | $138 |
| CSAA | $151 |
| Nationwide | $163 |
| Progressive | $168 |
| Travelers | $171 |
| Farmers | $194 |
| Liberty Mutual | $231 |
| Amica | $435 |
Company | Average Monthly Premium |
|---|---|
| USAA | $86 |
| State Farm | $95 |
| Allstate | $122 |
| American Family | $130 |
| GEICO | $133 |
| CSAA | $146 |
| Nationwide | $157 |
| Progressive | $161 |
| Travelers | $164 |
| Farmers | $186 |
| Liberty Mutual | $222 |
| Amica | $419 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $94 |
| Allstate | $119 |
| American Family | $128 |
| GEICO | $131 |
| CSAA | $143 |
| Nationwide | $154 |
| Progressive | $159 |
| Travelers | $162 |
| Farmers | $183 |
| Liberty Mutual | $218 |
| Amica | $412 |
Company | Average Monthly Premium |
|---|---|
| USAA | $82 |
| State Farm | $91 |
| Allstate | $116 |
| American Family | $124 |
| GEICO | $127 |
| CSAA | $139 |
| Nationwide | $150 |
| Progressive | $154 |
| Travelers | $157 |
| Farmers | $178 |
| Liberty Mutual | $212 |
| Amica | $399 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $89 |
| Allstate | $113 |
| American Family | $121 |
| GEICO | $124 |
| CSAA | $136 |
| Nationwide | $146 |
| Progressive | $150 |
| Travelers | $153 |
| Farmers | $174 |
| Liberty Mutual | $207 |
| Amica | $391 |
Compare personalized quotes from dozens of top companies in minutes.
Where you drive and park your TT makes a big difference in how much you’ll pay to insure it. Weather patterns, repair costs, litigation frequency, and fraud rates all vary from state to state, and these factors create dramatic pricing differences across the country.
The map below shows how Audi TT insurance costs vary by state, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $122 |
| Arizona | $141 |
| Arkansas | $130 |
| California | $159 |
| Colorado | $159 |
| Connecticut | $220 |
| Delaware | $185 |
| Florida | $172 |
| Georgia | $197 |
| Hawaii | $98 |
| Idaho | $81 |
| Illinois | $123 |
| Indiana | $101 |
| Iowa | $83 |
| Kansas | $115 |
| Kentucky | $153 |
| Louisiana | $166 |
| Maine | $108 |
| Maryland | $235 |
| Massachusetts | $117 |
| Michigan | $178 |
| Minnesota | $135 |
| Mississippi | $117 |
| Missouri | $141 |
| Montana | $115 |
| Nebraska | $112 |
| Nevada | $196 |
| New Hampshire | $68 |
| New Jersey | $208 |
| New Mexico | $112 |
| New York | $170 |
| North Carolina | $69 |
| North Dakota | $90 |
| Ohio | $96 |
| Oklahoma | $133 |
| Oregon | $118 |
| Pennsylvania | $125 |
| Rhode Island | $170 |
| South Carolina | $189 |
| South Dakota | $107 |
| Tennessee | $110 |
| Texas | $170 |
| Utah | $116 |
| Vermont | $111 |
| Virginia | $139 |
| Washington | $131 |
| Washington D.C. | $243 |
| West Virginia | $114 |
| Wisconsin | $94 |
| Wyoming | $87 |
Your age matters when it comes to your insurance rates. Teenagers pay more than twice what senior drivers to insure a TT, according to our data. But as you gain experience, premiums are likely to decrease.
Here’s how much you can expect to pay by age group for your Audi TT, according to our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $284 |
| Adults | $148 |
| Seniors | $127 |
The Audi TT is a sporty model and even comes in a convertible option, which can make it especially appealing to younger drivers. That appeal — combined with a higher likelihood of speeding and other risky driving behaviors — contributes to higher insurance rates.
In general, teens have the highest car insurance premiums of any drivers because they pose the greatest risk to insurers and have significantly higher crash rates.[6]
Check out the chart below to see how much teen TT drivers pay per month for coverage, according to Compare.com data.
Seniors generally take fewer risks on the road and drive fewer miles than other age groups, so they enjoy some of the best prices for Audi TT insurance.[7]
The chart below highlights the cheapest insurance companies for senior Audi TT drivers, according to our research.
Insurers pay close attention to your driving history when calculating premiums. Violations, accidents, and driving under the influence (DUI) all signal higher risk, which directly affects what you’ll pay. Each incident on your record suggests to insurers that you’re more likely to file claims in the future.
But you can still find affordable coverage for your TT. Some insurers specialize in high-risk drivers, offering coverage for those working to rebuild their driving records.
Here’s how your driving record can affect your TT insurance costs, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $148 |
| Speeding ticket | $198 |
| At-fault accident | $212 |
| DUI | $249 |
Our data shows that a DUI conviction increases your premium by around 68% compared to what you ’d pay with a clean driving record. An at-fault accident adds $64, on average, to your monthly insurance bill.
A speeding ticket may not seem like a big deal, but it’s a red flag to insurers that you may be a risky driver. Speeding makes you more likely to have an accident and file a claim. Insurers consider that risk when setting your premium. But some companies don’t weigh recent tickets as heavily as others.
The chart below highlights the cheapest insurers for Audi TT drivers with a speeding violation, according to our data.
An accident is never good, but your insurer is likely to raise your rates when it’s primarily your fault,. Claims cost insurance companies money and may signal you’re more likely to file another one in the future.
How much your rates will increase, and how long the hike will apply, depend on your insurance company.[8]
Below, you can see average costs from top insurers for TT drivers with at-fault accidents on their records, according to our research.
A DUI significantly increases your likelihood of causing an accident. It also means you’ll face fines, possible jail time, and license suspension in many states.
Insurers charge significantly higher rates for drivers with DUIs to compensate for their increased risk of filing a claim.
The chart below shows the cheapest companies for the Audi TT for drivers with DUIs on their records, according to Compare.com data.
Here are some key factors that can affect your Audi TT car insurance rates:
Vehicle value: With a Kelley Blue Book price in the $50,000 range, the Audi TT’s relatively high value means insurers may charge more to cover potential repairs or a full vehicle replacement.
Luxury sports car status: As a turbocharged, all-wheel-drive coupe, the TT has a strong performance profile. Insurers often view higher-performance vehicles as greater risks for accidents or costly claims, which can raise premiums.
Repair costs: Premium materials and specialized components make the TT more expensive to repair. This increases comprehensive and collision rates, especially if you opt for higher-end versions like the S Line or TTS models.
Safety features: Advanced safety features such as Audi Side Assist, rearview camera, and parking system plus help reduce the likelihood of accidents. They help lower premiums and may also qualify you for a safety features discount.
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Try these four strategies to help you save on Audi TT insurance:
Choose a higher deductible. If you can afford to pay more out of pocket after an accident, selecting a higher deductible can lower your monthly premium.
Consider pay-per-mile insurance. If you drive your TT seasonally or only occasionally, consider pay-per-mile insurance options, like Allstate’s Milewise or Nationwide SmartMiles, to reduce costs.
Ask about affiliation discounts. Some insurers offer affinity discounts for car club memberships, including official Audi clubs or motorsport associations.
Avoid pricey trims. Higher-performance versions, like the TTS and TT RS, come with more horsepower and higher price tags, which typically result in higher insurance rates. Sticking with the base TT trims can save you hundreds per year.
We’ve covered some essentials about insuring your TT, but you may still have additional questions. Below are answers to some of the most common concerns drivers have about protecting their sporty Audi coupe.
Not really. You’ll pay lower-than-average rates to insure an Audi TT. The national average cost of car insurance for all vehicles is $163 per month, while the average for a TT is $148 per month, according to our data.
Audi TT owners can find the cheapest coverage with USAA, at an average of $82 per month, according to Compare.com data. But you’ll only qualify for USAA coverage if you’re a member of the military community. The second- and third-cheapest insurers for Audi TTs are State Farm, at $91 per month, and Allstate, at $116 per month, respectively.
Audi discontinued the TT in 2023, so there’s no 2025 model available. That said, a 2023 Audi TT costs an average of $178 per month to insure, according to our data.
The Audi TT is the most affordable model to insure, with an average monthly cost of $148, according to our data.
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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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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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