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How Much is Audi Car Insurance?

Last updated: July 8th, 2026

In general, Audi vehicles are slightly more expensive to insure than the average car. However, the price you pay to insure your Audi will depend on the specific model and year of your vehicle as well as personal factors like where you live and your driving record.

Is Audi a good car to own?

Audi owners enjoy high-performance vehicles that are known in the industry for reliability. However, as a luxury vehicle brand, Audis typically come with higher price tags – both for the initial purchase and for car insurance.

Overall, Audi is considered a good car to own. For those searching for a luxury ride with a plush interior and distinct style that is also a lot of fun to drive, Audi is an excellent choice.

However, it’s important to note that the higher value of Audi vehicles often make them more expensive to own than economy vehicles, especially when it comes to maintenance, repair, and insurance. If that higher cost is worth the luxury status to you, you will likely be happy with your Audi.

Is Audi expensive to insure?

Yes, in general Audi is considered expensive to insure. The average vehicle costs around $2,120 per year to insure. Audi premiums tend to be more expensive than that, coming in at $2,400+ for the cheaper models.

Insurance companies probably charge more for Audis because they have a higher value than the average vehicle and are more expensive to maintain. If your Audi is damaged in a covered accident, your insurance company will need to pay more to repair or replace your vehicle, so they will charge you more upfront for your policy.

Audi insurance cost by model

The most popular Audi is an Audi Q5, which is the second best-selling luxury SUV overall. The base model Q5 gets 25 miles per gallon, has 362HP, and goes from 0-60mph in 5.0 seconds. The Audi Q5 also comes in a Sportback model, SQ5 model, and SQ5 Sportback.

In terms of insurance cost, the SQ5 Sportback models are the most expensive to insure, followed by Premium Plus and Prestige models.

Best insurance companies for Audi vehicles

In general, Nationwide, Progressive, and State Farm offer the most affordable insurance premiums for Audi. However, it’s important to note that the cheapest car insurance company for you might be different depending on where you live, your driving record, and the amount of coverage you want.

How much should I expect to pay to insure my Audi?

Personalized rate estimates at the top insurance companies in your state

Your rates will vary based on where you live, your age, and other factors like your driving record

How to save money on Audi car insurance

Since Audis are generally more expensive to insure than economy vehicles, it’s important to know how to save on your car insurance. Usually, paying less for car insurance starts with choosing the right insurance company. To be sure you’re choosing the company that will offer you the best rates for the coverage you need, we recommend comparing quotes from multiple providers near you. Also be sure to look for discounts at your chosen company.

Frequently asked

Why is Audi insurance so expensive?

The reason Audi insurance is expensive is likely because Audis are considered luxury vehicles and have higher value than economy brand vehicles. Because of this, Audis can be more expensive to repair or replace in the event you need to make a claim, so insurance companies charge higher premiums upfront.

What is the average insurance on an Audi?

The average insurance on an Audi is around $2,400, but this will vary based on the specific model, trim level, and year of your Audi. Your rates may also vary based on personal factors like where you live and your driving record.

Will my insurance go up if I get an Audi?

If you were previously driving an economy vehicle brand like Ford or Subaru, your insurance will likely go up when you add an Audi to your policy. However, if your previous vehicle was similar in value to an Audi, your insurance won’t necessarily increase. It is important to note that new cars typically cost more than older models, so if you’re adding a new car to your policy, your insurance might go up regardless of the vehicle make.

Methodology

Rate Retriever estimates average rates using the thousands of results we generated for our users over the last 18 months. These results include estimated quotes from our insurance carrier partners and additional estimates based on public rate filings.

For the data on this page, we analyzed searches from insured drivers ages 25-75 who were searching for full coverage car insurance. These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile.

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results.

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a quicker form that more accurately estimates what you’ll pay at each of the top insurance providers near you.

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.

We may earn a commission when you click one of the links, buy a policy, or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide in our guides.