Audi TT Car Insurance: How Much Should You Expect to Pay?

Audi TT owners pay around $193 monthly for their auto insurance, on average. Take a look at our most recent guide to find out how much car insurance carriers might charge you to insure your Audi TT.

Quick Facts

  • It costs more to insure an Audi TT than the average car.
  • Full coverage insurance for a TT tends to be about $192 a month, on average, while liability only insurance usually comes in at around $71.
  • ACG is the lowest auto insurance carrier for a TT with a national average of just $24 per month for liability only coverage.

TT Overview

Coming in at $44,900 for 2019 models, the Audi TT is a great mid-level car for drivers of all types. With three different trim levels currently offered, every driver can find an option to match their style.

We analyzed thousands of car insurance quotes on Compare.com, and we've determined that, on average, Audi TT insurance premiums run about $193 a month. But how does that compare to other cars on the market?

Current Base Price$44,900
Body Style(s)Car
Trim LevelsTT, TT RS, TTS
Average Insurance Premium$193/mo.
Cheapest Insurance CompanyACG

How Much is Car Insurance for an Audi TT?

Vehicle Liability Only Full Coverage
Audi TT$71$192
All Audi Models$80$190
All Cars$83$177
Average Insurance Premium$81$169

Looking at the table above, you'll find that Audi TT insurance prices are above average compared to other vehicles. On average, TT drivers will pay around $192 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $71 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other models from Audi, the TT's insurance rate is on par with the rest of the automaker's vehicle offerings. Compared to offerings from other brands, car insurance for a TT runs close to average, with liability insurance rates 14% cheaper than other cars and full coverage insurance premiums coming in 8% higher.

When compared to all vehicles of any body type, full coverage rates are more expensive for the TT, but a liability only policy is on the less expensive side.

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Who has the Cheapest Car Insurance for an Audi TT?

Insurance Company Average Monthly Premium
ACG$24
Elephant$31
Hugo$44
Esurance$49
SafeAuto$49

Shopping around for an auto insurance policy for your Audi TT? You might be wondering which company offers the lowest prices. Although there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $24 a month from ACG. The runner up for cheapest rates is Elephant, with insurance policies starting sometimes as little as $31 monthly.

The third, fourth, and fifth companies on the list are Hugo, Esurance, and SafeAuto. But just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Audi TT.

Insurance companies take a wide array of different variables into consideration when calculating monthly premiums. By pulling quotes from a variety of auto insurance carriers at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for an Audi TT?

There are multiple pieces that car insurance companies consider to choose how much they charge -- and every company uses a different method, so there's not just one carrier that's the cheapest for each TT owner.

Here are just a few of the factors car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

Vehicle Age Average Monthly Premium
Less than 1 Year$66
2-3 Years$58
4-5 Years$71
6-7 Years$53
8-10 Years$71
11-14 Years$73
15 Years or Older$73

The Audi TT has been around for a while -- that means vehicle age can play a role in what you end up paying for auto insurance. Typically, newer cars are going to cost more to insure because they're worth more, but as they age, insurance costs will gradually get lower.

Based on the information in the above table, the Audi TT bucks the trend, as the most expensive models to insure are those that are 11 to 14 and 15 or more years old, while on average, the cheapest TTs are 6 to 7 years old.

Your Age

Age Average Monthly Premium

Your age is another variable that makes a significant difference in how much you pay for insurance. As you can see in the table above, drivers who have more experience on the road have more affordable prices than teenage TT drivers. Audi TT drivers under 18 actually pay over three times as much as those 25 or older.

Auto insurance prices continue to go lower as you get older, with drivers aged 55-64 making up the cheapest age group for the TT.

Your Gender

Gender Average Monthly Premium
Male$73
Female$67

Because women are less likely to get into accidents and get tickets, they have a lower chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums. The Audi TT is no different, and men pay about 9% more than women per month for car insurance.

Where You Live

State Average Monthly Premium
California$50
Florida$102
Georgia$122
Illinois$41
New York$123
North Carolina$54
Ohio$49
Pennsylvania$60
Texas$59
Virginia$38

You might already know that things like what vehicle you drive and how old you are play a role in your insurance prices, but did you know that where you live is equally important? Since auto insurance is regulated at the state level, rates vary quite a bit from state to state.

For example, the average Audi TT driver from New York pays around $123 a month for liability coverage. Meanwhile, on average, the same owner in California will pay less than 50% of that price. The table above shows average prices for the top 10 most populous states, just to give you a good idea of how much rates can change across states.

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Audi TT Car Insurance Discounts

Regardless of your home state, your car, or your age, it's always the smart move to take advantage of as many insurance discounts as possible when shopping around for a policy.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

  • Multi-policy discounts for bundling your home and auto policies with the same company
  • Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
  • Pay-in-full discounts for agreeing to pay your entire policy premium at once, rather than by monthly payments
  • Multi-vehicle discounts for insuring more than one of your cars with the same carrier

These discounts are great, but sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

While you can't control every single aspect of your car insurance profile (like some of the factors we mentioned above), there is quite a bit that you do have control over. Below are just a few of the variables you can use in your favor when it comes to cost savings:

Your Driving Record

Infractions Average Monthly Premium
1 Accident$112
Multiple Accidents$77
1 Ticket$74
Multiple Tickets$64

You've almost certainly seen ads from auto insurance carriers promoting hefty savings for safe drivers. It follows that your insurance premiums will go higher if you get into an accident or get cited for speeding. But exactly how much will these infractions cost you?

If you look at the table above, you'll notice that accidents will usually cost TT drivers more than tickets, but both will result in above average rates. Audi TT drivers with one ticket will pay an average of $74 monthly, while drivers with a single accident on their record pay about $112 each month (up $41 from the $71/mo. overall average). The rates only get higher the more tickets you get or accidents you have.

How Much You Drive

Annual Mileage Average Monthly Premium
0-2,500 Miles$80
2,501-5,000 Miles$75
5,001-7,500 Miles$77
7,501-10,000 Miles$69
10,000+ Miles$69

Another factor that plays a big role in your car insurance rates is the total amount of miles you drive each year. Drivers who are on the roads less are more likely to go accident-free, so they'll generally end up spending less on insurance. Based on the table above, you can see that Audi TT owners who drive less than 2,500 miles pay $80 for car insurance, while those who drive between 7,500 and 10,000 miles every year pay about $69 per month.

If you work from home or drive less often than the average driver, you might consider getting a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Audi TTs Compare to Other Vehicles?

If you're considering buying an Audi TT, you're probably wondering how it compares to other cars. Car insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth thinking about carefully.

Check out the table below to see how the Audi TT stacks up:

Audi TT National Average
Liability Insurance$44$81
Full Coverage Insurance$217$169
Base MSRP$44,900$46,074
Average Annual Mileage9,99611,617

Overall, the Audi TT has an MSRP that's in line with the going rate for a new vehicle. The TT has an MSRP of $44,900, close to the national average vehicle MSRP of $46,074.

Full coverage insurance for an Audi TT is about $48 per month more than average, while liability only coverage is over $30 cheaper a month.

When it comes to usage, Audi TT owners drive fewer miles annually than the national average, with 9,996 miles a year compared to 11,617 for all vehicles.

Audi TT Car Insurance Costs by Model Year

We've gone over many of the factors that can have an impact on how much the average driver pays for insurance. If you're in thinking about buying a new car, truck, or SUV and the TT is on your wishlist, knowing what you'll likely pay for the specific car you're looking at can be helpful as you consider your options.

2019 Audi TT Car Insurance

   
Liability Only Avg. Premium$44
Full Coverage Avg. Premium$217
Base MSRP$44,900
Cheapest Insurance CompanyMercury - $44/mo.
Available TrimsTT, TT RS, TTS

You can expect full coverage for a 2019 TT to run around $217 monthly, while liability only coverage will average about $44 per month.

With premiums as little as just $44 a month, Mercury offered the lowest policy we found for the 2019 Audi TT.

If you want to find the best prices for auto insurance for a 2019 Audi TT, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 Audi TT Car Insurance

   
Liability Only Avg. Premium$87
Full Coverage Avg. Premium$359
Base MSRP$43,950
Cheapest Insurance CompanyHugo - $44/mo.
Available TrimsTT, TT RS, TTS

The average cost to insure a 2018 Audi TT with liability only coverage is $87 per month, while full coverage runs around $359 a month.

With premiums as little as $44 monthly, Hugo offered the cheapest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2017 Audi TT Car Insurance

   
Liability Only Avg. Premium$47
Full Coverage Avg. Premium$220
Base MSRP$43,500
Cheapest Insurance CompanySafeAuto - $28/mo.
Available TrimsTT, TTS

2017 TT drivers can expect to pay an average of $47 a month for liability or $220 for full coverage.

Looking for the most affordable policy? SafeAuto offered liability only coverage for sometimes as low as $28 monthly.

Interested in what your insurance price will be? Enter your ZIP code below to get a variety of personalized quotes for free.

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2016 Audi TT Car Insurance

   
Liability Only Avg. Premium$71
Full Coverage Avg. Premium$175
Base MSRP$42,900
Cheapest Insurance CompanyACG - $24/mo.
Available TrimsTT, TTS

It costs about $71 per month for liability or $175 for a full coverage policy for the 2016 Audi TT.

ACG offered the cheapest policy we found, with rates sometimes as cheap as $24 a month.

While these are good estimates of what the average driver might pay to insure a 2016 Audi TT, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2015 Audi TT Car Insurance

   
Liability Only Avg. Premium$52
Full Coverage Avg. Premium$165
Base MSRP$40,350
Cheapest Insurance CompanyElephant - $25/mo.
Available TrimsTT, TTS

On average, drivers who own a 2015 TT can expect to pay $52 to $165 per month for liability only and full coverage car insurance, respectively.

If you're looking for the cheapest possible 2015 Audi TT insurance policy, Elephant offered the most affordable policy we found, with rates as cheap as $25 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2013 Audi TT Car Insurance

   
Liability Only Avg. Premium$40
Full Coverage Avg. Premium$140
Base MSRP$38,650
Cheapest Insurance CompanyAspire - $20/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

It costs around $40 a month for liability or $140 for a full coverage policy for the 2013 Audi TT.

Aspire has prices as low as just $20 per month for the 2013 Audi TT.

Want to know just how much you'll pay? Just enter your ZIP code below to get lots of free personalized quotes.

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2012 Audi TT Car Insurance

   
Liability Only Avg. Premium$117
Full Coverage Avg. Premium$165
Base MSRP$38,300
Cheapest Insurance CompanyDairyland - $21/mo.
Available TrimsPREMIUM PLUS, PRESTIGE

2012 TT drivers can expect to pay an average of $117 monthly for liability or $165 for full coverage.

We found Dairyland offered the lowest policy, with rates as low as $21 per month.

If you want to find the best premiums for auto insurance for a 2012 Audi TT, enter your ZIP code below and compare an array of personalized quotes in just a few minutes.

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2011 Audi TT Car Insurance

   
Liability Only Avg. Premium$76
Full Coverage Avg. Premium$218
Base MSRP$38,300
Cheapest Insurance CompanyMetLife - $29/mo.
Available TrimsPREMIUM, PRESTIGE

The average cost to insure a 2011 Audi TT with liability only coverage is $76 monthly, while full coverage runs about $218 a month.

MetLife has rates as cheap as just $29 per month for the 2011 Audi TT.

Want to know exactly what your car insurance rate will be? Get several personalized quotes for free by just entering your ZIP code below.

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2010 Audi TT Car Insurance

   
Liability Only Avg. Premium$80
Full Coverage Avg. Premium$206
Base MSRP$37,800
Cheapest Insurance CompanyWorkmens - $28/mo.
Available TrimsPREMIUM, PREMIUM PLUS, PRESTIGE

You can expect full coverage for a 2010 TT to run around $206 a month, while liability only coverage will average about $80 monthly.

If you're looking for the lowest possible 2010 Audi TT insurance policy, Workmens offered the cheapest policy we found, with rates as cheap as $28 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Audi TT Insurance FAQs

Is an Audi TT expensive to insure?

Liability insurance runs an average of $71 monthly, while full coverage will cost you around $192. The Audi TT is more expensive to insure compared to the average car.

How can I get the best price on car insurance for my Audi TT?

The only way to guarantee you're getting the lowest price on auto insurance is to regularly shop around and compare quotes from a lot of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from many carriers at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi TT affect my insurance premiums?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not true. There are a whole bunch of things insurance companies examine when they calculate how much you'll pay, but your Audi TT's color isn't one of them.

Do I need to have insurance before I buy an Audi TT?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) car off the dealership lot. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a a new car is to talk with your insurance company before you buy.

What car insurance discounts can I get for my Audi TT?

There are a range of different discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are based less on your TT and more on you, but if your TT has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know is to reach out to your insurance carrier and ask about which discounts they offer.

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