Jerry Summary

Audi car insurance costs $404 per month, on average, according to a July 2025 analysis of full coverage auto insurance quotes for Jerry customers. AAA offers the cheapest coverage at $205 per month for full coverage. But the model and trim level you choose will greatly influence how much you pay. Save by comparing quotes from multiple insurers, bundling policies and asking for discounts.

Audi auto insurance prices fluctuate depending on the model and carrier you go with. Here are average costs by model, which companies offer the cheapest rates and how to shop for Audi insurance.

Average Audi car insurance costs

The average cost of full coverage Audi car insurance is $404 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $174 per month.

Audi insurance costs aren’t one-size-fits-all. They depend on the vehicle’s model, its age and your personal risk profile. Expensive cars usually mean higher premiums, but there are exceptions. To find the best rate, compare multiple car insurance quotes for the Audi you’re considering.

These full coverage insurance rates from Jerry’s data analysis offer a snapshot of average auto insurance costs for various Audi models.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Average cost of Audi car insurance, by state

Car insurance rates differ by state due to varying laws and the fact that every state has its own risk factors, like crime, weather events and the number of uninsured motorists on the road.

For example, full coverage Audi auto insurance in Arizona costs an average of $276 per month. In Illinois, the monthly average is $299.

Below are the average full coverage costs of Audi car insurance, by state.

Factors that affect Audi car insurance costs

Audi models are very different, and your specific model plays a big role in determining your auto insurance premium. Here’s why your model affects your rate:

• Safety features: Some Audis have higher safety ratings than others. Whether it’s the driver assistance features on one model or the crash safety ratings on another, insurance companies care a lot about safety data.
• Vehicle value: A top-of-the-line Audi A4 Quattro is more valuable in the marketplace than an A3. If it gets damaged, it will cost more to replace—and that’s cause for higher insurance rates.
• Vehicle class: Smaller vehicles usually cost less to insure, whereas performance cars and SUVs tend to come with higher insurance price tags.
• Engine size: Horsepower has nothing to do with insurance on its own, but data shows a correlation between horsepower and speeding tickets. The more horses, the higher the likelihood of getting a ticket. That’s why higher horsepower vehicles cost more to insure.
• Availability of replacement parts: Specialty parts—especially on luxury trim level models or hybrid cars—cost more to repair and replace. This added cost must be factored into the price of Audi car insurance.
• Cost of repairs: Complex parts take more time to repair. Labor costs and the cost of parts are a key factor in determining rates.
• Vehicle cost: If you spent a lot on the purchase price of the vehicle, you can expect the replacement price to be higher, too. That’s why collision and comprehensive coverage are higher for sporty, high-performance, and luxury models.
• Vehicle age: If you bought a new Audi, it probably has the newest technology. For this extra cost, you’ll pay more to protect it.
• Cost of parts: Unique models or complicated systems like electric or hybrid powertrains can cost more to repair. To factor in this risk, insurance companies charge higher rates.
• Your age: Whether you’re over 70 or under 25, you can expect higher than average rates. Middle-aged adults pay the lowest rates of all age groups.
• Your driving record and claims history: Clean records unlock the best rates, whereas people with accidents, tickets, and claims tend to be charged higher-than-average rates.
• Where you keep your car: People in lower-density areas tend to pay less for insurance due to the lowest risk of car accidents and auto theft.

Best Audi car insurance

Jerry’s editorial team chooses the best car insurance companies each year based on critical industry standards, including complaint volume and financial stability. 

Here are our top choices for 2025.

Although these insurers are strong options for most drivers, availability varies by state, and service can differ depending on where you live. Click below to see the top insurers in your area.

Cheapest Audi car insurance

Full coverage

AAA offers the cheapest full coverage car insurance for Audi, with an average rate of $205 per month.

The following companies offer the cheapest car insurance rates for Audi, according to Jerry’s analysis of full coverage quotes.

Learn more: What does full coverage car insurance cover?

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Minimum coverage

Mercury offers the cheapest minimum coverage auto insurance for Audi, with an average rate of $57 per month.

If you’re looking for minimum coverage for your Audi, these are the most budget-friendly insurers, according to Jerry’s data analysis.

By state

The most affordable Audi insurer differs by state, thanks to unique local laws and coverage requirements. Click below to find the cheapest providers in your state.

Audi A4 auto insurance costs

The average car insurance cost for a Audi A4 is $402 per month, according to Jerry’s data analysis of full coverage quotes.

Here are A4 auto insurance rates from Jerry customers with full coverage policies.

Audi Q7 auto insurance costs

The average car insurance cost for a Audi Q7 is $376 per month, according to an analysis of full coverage quotes to real Jerry customers.

Here are Q7 auto insurance rates from Jerry customers with full coverage policies.

Audi S5 auto insurance costs

The average car insurance cost for a Audi S5 is $564 per month, according to Jerry’s full coverage quote data.

Here are S5 auto insurance rates from Jerry customers with full coverage policies.

Audi SQ5 auto insurance costs

The average car insurance cost for a Audi Sq5 is $432 per month, according to Jerry’s analysis of full coverage quotes.

Here are Sq5 auto insurance rates from Jerry customers with full coverage policies.

Audi car insurance shopping tips

There are a few tactics you can use to save money on Audi insurance:

• Shop around: Shopping around for insurance coverage is a strategy where you compare quotes from multiple companies to find the lowest rate. A comparison app like Jerry is the fastest way, but you can also open multiple tabs or call several agents. See who offers the best deal for your model and your driver profile.
• Opt for a smaller model: A smaller Audi usually costs less to insure than an SUV, so pick the smallest vehicle that meets your needs to save money.
• Bundle your insurance policies: Bundling your home and auto insurance with the same company can amount to a lower overall bill.
• Ask about discounts: From a safe driver discount to an auto pay discount, you may qualify for car insurance discounts. Almost every company offers discounts, although the amount varies by provider.
• Reduce your coverage: Older cars may not need as much coverage if their value has decreased. Consider reducing coverage to save money on your monthly premium.
• Raise your deductible: The out-of-pocket payment after an accident is called a deductible. If your budget can afford a higher premium, this can usually save you some money on your premium.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.