Jerry SummaryAudi car insurance costs $404 per month, on average, according to a August 2025 analysis of full coverage auto insurance quotes for Jerry customers. Aspire Advantageoffers the lowest-cost full coverage at $219per month. 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.
Known for its sleek design, quattro all-wheel drive, and cutting-edge technology, Audi has carved out a reputation as a forward-thinking luxury brand. Since its modern resurgence in the late 20th century, Audi has continually pushed the envelope on innovation — introducing features like virtual cockpits, matrix LED headlights, and advanced driver-assist systems that blend performance and sophistication.
Today, Audi’s lineup includes everything from efficient plug-in hybrids and executive sedans to high-performance RS models and all-electric e-trons. Whether you’re navigating city streets in an A4 or commanding the road in an Audi Q8, the brand’s mix of luxury, tech and performance makes a statement — but it also contributes to higher-than-average insurance costs.
Audi auto insurance prices fluctuate by model and insurer. Here are average costs by model, which companies offer the best 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 $173 per month.
Audi insurance costs 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.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| A3 | $414 |
| A4 | $405 |
| A5 | $454 |
| A6 | $431 |
| A7 | $497 |
| A8 | $437 |
| Allroad | $241 |
| Q3 | $378 |
| Q5 | $342 |
| Q7 | $364 |
If you have a loan or lease on your vehicle, the lender will require
Click for average minimum coverage costs, by Audi model.
|
Car Model
|
Avg Monthly Quote
|
|---|---|
| A3 | $190 |
| A4 | $197 |
| A5 | $181 |
| A6 | $184 |
| A7 | $177 |
| A8 | $122 |
| Allroad | $112 |
| Q3 | $177 |
| Q5 | $146 |
| Q7 | $157 |
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 $287 per month. In Illinois, the monthly average is $308.
Below are the average full coverage costs of Audi car insurance, by state.
|
State
|
Avg Monthly Quote
|
|---|---|
| AL | $282 |
| AR | $196 |
| AZ | $287 |
| CA | $379 |
| CO | $402 |
| CT | $423 |
| DC | $339 |
| DE | $306 |
| FL | $408 |
| GA | $444 |
Factors that affect Audi car insurance costs
Your Audi insurance premium depends on a variety of factors, including your vehicle’s age, trim and body style. Insurers also weigh your driving history, location, age and coverage level when determining your rate.
Here are some Audi-specific vehicle features that can affect your insurance costs:
- Safety features: Audi vehicles are equipped with cutting-edge safety tech like Audi pre sense, adaptive cruise assist and lane departure warnings. These can help reduce accident risk and potentially lower your premiums.
- Vehicle value: Premium models like the A8 or all-electric Q8 e-tron often come with higher insurance costs due to their high MSRPs and expensive repairs.
- Vehicle class: Entry-level sedans and crossovers like the A3 or Q3 are typically more affordable to insure than larger SUVs or performance-oriented luxury models like the RS7 or SQ8.
- Performance and engine size: Audi’s S and RS models feature upgraded engines and sport-tuned components, which can drive up premiums due to their higher performance capabilities and perceived risk.
- Parts and repair complexity: Audi vehicles often require specialized service and parts, especially for EVs, hybrids or imported trims. This can lead to higher repair costs, which insurers factor into your premium.
- 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 areas with lower population density tend to pay less for insurance because, where there are fewer people, there’s a lower chance of accidents and 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.
| Insurance company | Best for: | Jerry star rating (out of 5) |
|---|---|---|
| Geico | Overall car insurance. | 5 |
| Auto-Owners | Small insurance company. | 4.9 |
| Nationwide | Usage-based insurance. | 4.7 |
| Allstate | Discounts. | 4.7 |
| Farmers | Customizable options. | 4.6 |
| Progressive | Loyal policyholders. | 4.6 |
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.
Click for the best car insurance by state.
Affordable Audi car insurance
Full coverage
AAA offers the most affordable full coverage car insurance for Audi, with an average rate of $219 per month.
The following companies offer the cheapest car insurance rates for Audi, according to Jerry’s analysis of full coverage quotes.
|
Insurance Company
|
Average full coverage cost
|
|---|---|
| AAA | $219 |
| Aspire Advantage | $255 |
| ROOT | $270 |
| Mercury | $272 |
| Safeco | $272 |
If you have a loan or lease on your vehicle, the lender will require
Minimum coverage
Mercury offers the lowest-cost minimum coverage auto insurance for Audi, with an average rate of $60 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.
|
Insurance Company
|
Average minimum coverage cost
|
|---|---|
| Mercury | $60 |
| Aspire Advantage | $78 |
| Safeco | $91 |
| Progressive | $104 |
| Bluefire | $110 |
By state
The most affordable Audi insurer differs by state, thanks to unique local laws and coverage requirements. Click below to find the most affordable providers in your state.
Click for the cheapest car insurance by state.
Audi A5 auto insurance costs
The average car insurance cost for an Audi A5 is $454 per month, according to Jerry’s data analysis of full coverage quotes.
The 2025 Audi A5 combines sporty performance with upscale design, available in coupe, Sportback and cabriolet body styles. With a starting base model MSRP of $49,700, the A5 comes standard with a turbocharged 2.0-liter engine and a sleek, tech-forward interior featuring the Audi MMI infotainment system and advanced driver-assistance features. Higher trims, including S line and Prestige, offer additional performance and luxury upgrades.
Insurance costs for the A5 tend to be above average for a compact luxury vehicle. This is especially true for coupe and convertible variants, which insurers view as higher-risk vehicles. Factors like body style, trim level, ZIP code and personal driving history all influence your premium, as do the vehicle’s repair costs and safety equipment.
Here are A5 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Audi A5 Komfort 45 | $328 |
| Audi A5 Premium | $409 |
| Audi A5 Premium 40 | $429 |
| Audi A5 Premium 45 | $469 |
| Audi A5 Premium Plus | $387 |
| Audi A5 Premium Plus 40 | $706 |
| Audi A5 Premium Plus 45 | $566 |
| Audi A5 Premium Plus S-Line | $370 |
| Audi A5 Premium S Line | $432 |
| Audi A5 Prestige | $402 |
Audi Q7 auto insurance costs
The average car insurance cost for an Audi Q7 is $364 per month, according to an analysis of full coverage quotes to real Jerry customers.
The Audi Q7 is a three-row, midsize luxury SUV and a 2025 IIHS top safety pick. It pairs spacious practicality with high-end design and strong performance. Starting at $60,500 MSRP for the base Premium trim, the Q7 lineup includes more powerful options like the Prestige, which climbs to $77,900. Every Q7 comes with quattro all-wheel drive, while engine options range from a 261-horsepower turbocharged four-cylinder to a 335-horsepower turbocharged V6.
Here are Q7 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Audi Q7 3.6 Quattro Awd | $297 |
| Audi Q7 3.6 Quattro Prem | $292 |
| Audi Q7 4.2 Quattro | $374 |
| Audi Q7 4.2 Quattro Premi | $685 |
| Audi Q7 4.2 Quattro Premium | $299 |
| Audi Q7 Base | $278 |
| Audi Q7 Komfort | $352 |
| Audi Q7 Premium | $383 |
| Audi Q7 Premium Plus | $357 |
| Audi Q7 Prestige | $369 |
Audi S5 auto insurance costs
The average car insurance cost for an Audi S5 is $548 per month, according to Jerry’s full coverage quote data.
The 2025 Audi S5 is a performance-focused luxury car that includes a turbocharged engine and driver safety features like lane departure warnings and Audi connect for emergencies. Starting at $62,700 for the base coupe and $70,250 for the Prestige trim, the S5 delivers a balanced mix of everyday drivability and sport performance, along with a slick interior and signature Audi tech.
Thanks to its powerful engine, luxury status and premium components, the Audi S5 typically carries higher-than-average insurance premiums. The risk profile for a sporty, high-horsepower vehicle — combined with higher repair and replacement costs — can drive up coverage costs, especially for younger drivers or those with limited driving history.
Here are S5 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Audi S5 | $355 |
| Audi S5 Premium | $901 |
| Audi S5 Premium Plus | $569 |
| Audi S5 Prestige | $327 |
| Audi S5 Quattro | $625 |
| Audi S5 Quattro Premium P | $536 |
| Audi S5 Quattro Prestige | $446 |
Audi Q5 auto insurance costs
The average car insurance cost for an Audi Q5 is $342 per month, according to Jerry’s analysis of full coverage quotes.
As Audi’s top-selling model in recent years, the 2025 Q5 continues to hit the sweet spot for many drivers seeking a blend of luxury, comfort and practicality. This compact luxury SUV comes in either a standard or sportback style with an introductory 2025 MSRP of $52,500. Each model also boasts Audi’s quattro all-wheel drive and a 268 horsepower turbocharged engine.
While the Q5 is more affordable to insure than some high-performance Audi vehicles, its luxury features and advanced technology still place it above average in terms of insurance premiums. Q5 drivers may have higher rates due to increased performance and specialized parts.
Here are Q5 auto insurance rates from Jerry customers with full coverage policies.
|
Trim
|
Avg Monthly Quote
|
|---|---|
| Audi Q5 | $341 |
| Audi Q5 3.2 | $305 |
| Audi Q5 E Premium | $519 |
| Audi Q5 E Premium 55 | $349 |
| Audi Q5 E Premium Plus | $435 |
| Audi Q5 E Premium Plus 55 | $286 |
| Audi Q5 E Prestige 55 | $427 |
| Audi Q5 Komfort 45 | $293 |
| Audi Q5 Premium | $353 |
| Audi Q5 Premium 40 | $350 |
Audi car insurance shopping tips
If you drive an Audi, here are a few ways to help lower your car insurance costs:
- Compare quotes carefully: Rates for luxury vehicles like Audis can vary widely between insurers. Getting multiple quotes — with the same coverage limits and the most accurate driver information — helps lock in an accurate quote and ensure a true apples-to-apples comparison.
- Choose a lower-cost model: Entry-level models like the A3 or Q3 are typically more affordable to insure than performance-oriented or high-end models like the S7 or Q8 e-tron.
- Bundle insurance policies: You may be eligible for a discount if you bundle your auto and home insurance, or combine other insurance from the same provider.
- Consider a telematics program: Some insurers offer usage-based insurance programs that monitor your driving habits, called telematics. If you drive safely and infrequently, you may qualify for lower rates.
- Explore loyalty or multi-car discounts: Insuring more than one vehicle or maintaining a long-term relationship with your insurer could make you eligible for additional savings.
- Increase your deductible: Raising your collision or comprehensive deductible can reduce your monthly premium. Just be sure you can afford to pay the deductible if you need to file a claim.
- Adjust your coverage for older vehicles: If your Audi is aging and its market value has dropped, consider dropping collision or comprehensive coverage — especially if the cost outweighs the potential payout.
- Ask about feature-specific discounts: Some insurers offer savings for vehicles with advanced safety features or strong crash-test ratings, which many Audi models have.
| Coverage | Definition |
|---|---|
| Collision insurance | An optional coverage type that pays to repair or replace your car if it’s damaged in a collision with another vehicle. You can only file an accident-related claim for your vehicle’s repairs if your policy has collision coverage. |
| Comprehensive insurance | An optional coverage type that covers damage to your vehicle caused by non-collision hazards, such as car theft, falling tree branches, hail and other unexpected events. |
| Bodily injury liability (BI) | Pays others’ medical costs in an accident you cause, up to your policy limits. It’s mandatory in most states. |
| Property damage liability (PD) | Pays for repairs or replacements of any vehicles or objects you damage in a crash, up to your policy limits. It’s mandatory in most states. |
| Personal injury protection (PIP) | Helps cover medical expenses for you and your passengers after a car accident, regardless of who caused it. This is required in some states. |
| Medical payments | Additional coverage outside of PIP that pays for medical care for you and your passengers after an accident, regardless of who caused it. This is optional in most states. |
| Uninsured/underinsured motorist coverage (UM/UIM) | Covers you, your passengers and any property damage in a case where the other driver is at fault but doesn’t have insurance, or carries insufficient coverage to pay for your costs. This is required in some states. |
FAQs
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Does Audi offer its own car insurance?
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Is Audi insurance more expensive than other luxury brands?
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Which Audi models are the cheapest to insure?
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Stephanie Colestock is a seasoned writer and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, credit and debt management, banking, investing, retirement planning, and household finances.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Forbes, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys helping individuals make smarter financial decisions through her engaging and well-researched articles.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
