Car insurance for Audi

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Car insurance is required in most states because it protects others if you cause an accident. The rate you pay for car insurance is determined by a number of factors, including where you live, your age and your driving history. The make and model of the vehicle you drive also affects the average cost of car insurance and what you will pay for coverage.

Whether you own an Audi now or are considering buying one, the cost for car insurance is an important factor to consider as part of your budget. While the Audi is considered a luxury car, you may not have to pay luxury car insurance rates to own one. We researched rates for some of the most popular Audi models to help you decide which one is right for you:

  • Audi Q5
  • Audi A5
  • Audi A8
  • Audi E-Tron

Car insurance for Audi: by model

When researching Audi models, we compared the cost of car insurance from the top five best car insurance companies. We found the Audi Q5 SUV has the cheapest average full coverage costs of $1,934 per year. The most expensive model to insure on our list is the Audi A8 sedan, costing on average $3,300 annually for the same coverage.

Audi Car Insurance Average annual full coverage premium
Audi Q5 $1,934
Audi A5 $2,353
Audi A8 $3,300
Audi E-Tron $2,520

Cheapest car insurance companies for Audi Q5

The Audi Q5 SUV was recently redesigned, with improved headlights earning the Q5 the Insurance Institute for Highway Safety’s Top Safety Pick+ award. Starting at $43,300, the Q5 comes standard with advanced crash prevention systems to gain superior crashworthiness ratings. Out of the top five car insurance companies, Amica has the lowest average price for minimum coverage at $351 per year. USAA and Geico follow close behind to round out the top three. For full coverage, Amica again has the cheapest rate of $1,427 annually, with Erie and USAA not far off.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $351 $1,536
Geico $371 $1,700
State Farm $438 $1,705
Erie $430 $1,546
Amica $345 $1,427

Cheapest car insurance companies for Audi A5

The Audi A5 coupe is an expressive and sleekly designed sports car with a base MSRP of $44,000. Equipped with LED headlights, the 2021 A5 is also awarded a Top Safety Pick award from the IIHS. Geico’s car insurance rates are the cheapest of the five companies for average annual minimum coverage, costing just $313. USAA and Amica are a few dollars more but very close to Geico’s rates for the Audi A5. For those purchasing full coverage, USAA has the best average annual cost of $1,740 with Erie and State Farm the next best rate.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $324 $1,740
Geico $313 $2,115
State Farm $456 $1,871
Erie $431 $1,772
Amica $345 $1,903

Cheapest car insurance companies for Audi A8

The Audi A8 sedan comes standard with a turbocharged V6 engine, but you can also choose a hybrid or twin turbo if that is more your speed. Beginning at $86,500, this luxury sedan has the largest cost for car insurance compared to the Q5 and A5, which is not surprising given the higher initial cost. Geico again has the cheapest average rate for minimum coverage at $336 per year, though Amica and USAA are only a few dollars more. For full coverage, Amica has the best average annual cost at $2,160, followed by USAA and Erie.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $367 $2,657
Geico $336 $3,422
State Farm $456 $2,703
Erie $430 $2,700
Amica $345 $2,160

Cheapest car insurance companies for Audi E-Tron

In 2021, Audi revealed its first electric vehicle, the e-tron SUV. Starting at $65,900, the newly released all-electric Audi comes standard with a long-range battery and all-wheel drive. The e-tron does not lack in performance, going 0-60 mph in 5.5 seconds with boost enabled. Both the e-tron and the e-tron Sportback have received the IIHS Top Safety Pick+ award, which is the highest rating available. The average cost for minimum coverage car insurance for the e-tron is cheapest through Amica at $345 per year, though it would not cost much more with Geico or USAA. Amica has the best average annual car insurance rates for full coverage at $1,948, followed closely by USAA and State Farm.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $391 $1,998
Geico $374 $2,257
State Farm $456 $2,151
Erie $430 $2,684
Amica $345 $1,948

Other car insurance coverage for Audi

When purchasing a new car, it may be a good idea to shop car insurance carriers to see if it makes sense to switch, especially when purchasing a more expensive luxury vehicle like an Audi. With the high cost to repair, it may make sense to purchase as much coverage as you can afford, choosing full coverage options to protect your investment.

Consider these other car insurance coverages for your Audi:

  • Collision: This coverage pays if your Audi is damaged or totaled as the result of a covered claim. Choosing a higher deductible can reduce out-of-pocket costs when paying for car insurance.
  • Comprehensive: Also called “other-than-collision coverage”, comprehensive is physical damage coverage for claims not covered under collision. This includes broken glass, weather events, hitting an animal, theft of the vehicle or vandalism.
  • Rental car reimbursement: If you do not have access to another vehicle, you may want to consider rental car reimbursement coverage. This coverage will pay up to the policy limits for rental car costs while your Audi is being repaired after a covered claim.
  • Uninsured/underinsured motorist: This coverage is mandatory in some states and optional in others. If you are involved in an accident with someone who does not have insurance or does not have enough coverage, this coverage will pay for your injuries and property damage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:

  • Audi Q5
  • Audi A5
  • Audi A8
  • Audi E-Tron

These are sample rates and should only be used for comparative purposes.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.