Audi Car Insurance Costs for September 2025

Written by Stephanie Colestock and 1 other
Updated Sep 25, 2025
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Audi Car Insurance Costs for September 2025

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Audi car insurance costs $397 per month, on average, according to a September 2025 analysis of full coverage auto insurance quotes for Jerry customers. Safecooffers the lowest-cost full coverage at $246per 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 $397 per month, according to Jerry’s data analysis of auto insurance quotes. Minimum coverage costs an average of $168 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 $402
A4 $391
A5 $458
A6 $442
A7 $486
A8 $400
Allroad $268
Q3 $383
Q5 $335
Q7 $348
R8 $370
Rs3 $468
Rs4 $302
Rs5 $532
Rs6 $532
Rs7 $740
S $984
S3 $468
S4 $414
S5 $509
S6 $483
S7 $404
S8 $429
Sq5 $412
Tt $337
Tts $383
Last Updated Sept. 26, 2025

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.

Click for average minimum coverage costs, by Audi model.
Car Model
Avg Monthly Quote
A3 $174
A4 $184
A5 $172
A6 $182
A7 $190
A8 $115
Allroad $126
Q3 $188
Q5 $140
Q7 $148
R8 $90
Rs3 $109
Rs5 $139
Rs6 $121
Rs7 $305
S3 $233
S4 $166
S5 $148
S6 $188
S7 $167
S8 $121
Sq5 $168
Tt $123
Tts $55
Tt $337
Tts $383
Last Updated Sept. 26, 2025

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 $307 per month. In Illinois, the monthly average is $302.

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

State
Avg Monthly Quote
AL $248
AR $244
AZ $306
CA $375
CO $398
CT $452
DC $343
DE $310
FL $400
GA $453
IA $121
ID $311
IL $301
IN $293
KS $207
KY $380
LA $439
MA $351
MD $583
ME $279
MI $384
MN $201
MO $387
MS $228
MT $283
NC $214
NE $214
NH $195
NJ $513
NM $198
NV $551
NY $1,208
OH $232
OK $292
OR $289
PA $403
RI $400
SC $331
SD $274
TN $334
TX $374
UT $280
VA $360
WA $342
WI $425
WV $277
Last Updated Sept. 26, 2025

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 companyBest for:Jerry star rating (out of 5)
GeicoOverall car insurance.5
Auto-OwnersSmall insurance company.4.9
NationwideUsage-based insurance.4.7
AllstateDiscounts.4.7
FarmersCustomizable options.4.6
ProgressiveLoyal 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

Safeco offers the most affordable full coverage car insurance for Audi, with an average rate of $246 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
Safeco $246
Aspire Advantage $257
ROOT $266
Mercury $273
Progressive $309
$452
$343
$310
$400
$453
$121
$311
$301
$293
$207
$380
$439
$351
$583
$279
$384
$201
$387
$228
$283
$214
$214
$195
$513
$198
$551
$1,208
$232
$292
$289
$403
$400
$331
$274
$334
$374
$280
$360
$342
$425
$277
Last Updated Sept. 24, 2025

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 lowest-cost minimum coverage auto insurance for Audi, with an average rate of $58 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 $58
Aspire Advantage $79
Safeco $85
Progressive $106
Bluefire $110
$452
$343
$310
$400
$453
$121
$311
$301
$293
$207
$380
$439
$351
$583
$279
$384
$201
$387
$228
$283
$214
$214
$195
$513
$198
$551
$1,208
$232
$292
$289
$403
$400
$331
$274
$334
$374
$280
$360
$342
$425
$277
Last Updated Sept. 24, 2025

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 $461 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 $419
Audi A5 Premium 40 $474
Audi A5 Premium 45 $533
Audi A5 Premium Plus $350
Audi A5 Premium Plus 40 $607
Audi A5 Premium Plus 45 $426
Audi A5 Premium Plus S-Line $298
Audi A5 Premium S Line $422
Audi A5 Prestige $389
Audi A5 Prestige 40 $294
Audi A5 Prestige 45 $829
Audi A5 Prestige S-Line $389
Audi A5 Quattro $270
Audi A5 Quattro Prem Plus $695
Audi A5 Quattro Technik S $272
Audi A5 Sport $357
$351
$583
$279
$384
$201
$387
$228
$283
$214
$214
$195
$513
$198
$551
$1,208
$232
$292
$289
$403
$400
$331
$274
$334
$374
$280
$360
$342
$425
$277
Last Updated Sept. 26, 2025

Audi Q7 auto insurance costs

The average car insurance cost for an Audi Q7 is $349 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 $319
Audi Q7 3.6 Quattro Prem $300
Audi Q7 4.2 Quattro $363
Audi Q7 4.2 Quattro Premi $750
Audi Q7 4.2 Quattro Premium $299
Audi Q7 4.2 Quattro S Lin $266
Audi Q7 Base $278
Audi Q7 Komfort $352
Audi Q7 Premium $337
Audi Q7 Premium Plus $355
Audi Q7 Prestige $366
Audi Q7 Tdi $202
Audi Q7 Tdi Premium Plus $267
Audi Q7 Tdi S-Line $852
Audi A5 Quattro Prem Plus $695
Audi A5 Quattro Technik S $272
Audi A5 Sport $357
$351
$583
$279
$384
$201
$387
$228
$283
$214
$214
$195
$513
$198
$551
$1,208
$232
$292
$289
$403
$400
$331
$274
$334
$374
$280
$360
$342
$425
$277
Last Updated Sept. 26, 2025

Audi S5 auto insurance costs

The average car insurance cost for an Audi S5 is $510 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 $310
Audi S5 Premium $702
Audi S5 Premium Plus $569
Audi S5 Prestige $328
Audi S5 Quattro $533
Audi S5 Quattro Premium P $471
Audi S5 Quattro Prestige $437
Audi Q7 Komfort $352
Audi Q7 Premium $337
Audi Q7 Premium Plus $355
Audi Q7 Prestige $366
Audi Q7 Tdi $202
Audi Q7 Tdi Premium Plus $267
Audi Q7 Tdi S-Line $852
Audi A5 Quattro Prem Plus $695
Audi A5 Quattro Technik S $272
Audi A5 Sport $357
$351
$583
$279
$384
$201
$387
$228
$283
$214
$214
$195
$513
$198
$551
$1,208
$232
$292
$289
$403
$400
$331
$274
$334
$374
$280
$360
$342
$425
$277
Last Updated Sept. 26, 2025

Audi Q5 auto insurance costs

The average car insurance cost for an Audi Q5 is $334 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 $269
Audi Q5 3.2 $285
Audi Q5 E Premium $218
Audi Q5 E Premium 55 $305
Audi Q5 E Premium Plus $267
Audi Q5 E Premium Plus 55 $300
Audi Q5 E Prestige $404
Audi Q5 E Prestige 55 $410
Audi Q5 Komfort 45 $293
Audi Q5 Premium $334
Audi Q5 Premium 40 $343
Audi Q5 Premium 45 $382
Audi Q5 Premium Hybrid $331
Audi Q5 Premium Plus $322
Audi Q5 Premium Plus 40 $382
Audi Q5 Premium Plus 45 $351
Audi Q5 Premium Plus S-Li $326
Audi Q5 Premium S-Line $228
Audi Q5 Prestige $329
Audi Q5 Prestige 40 $325
Audi Q5 Prestige 45 $381
Audi Q5 Prestige S-Line $416
Audi Q5 Progressiv $206
Audi Q5 Sportback Premium $462
Audi Q5 Sportback Prestig $393
Audi Q5 Sportback Prm Pls $361
Audi Q5 Tdi Premium Plus $371
Audi Q5 Tdi Prestige $418
Audi Q5 Technik S-Line $174
$198
$551
$1,208
$232
$292
$289
$403
$400
$331
$274
$334
$374
$280
$360
$342
$425
$277
Last Updated Sept. 26, 2025

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.
CoverageDefinition
Collision insuranceAn 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 insuranceAn 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 paymentsAdditional 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

  • Does Audi offer its own car insurance?
  • Is Audi insurance more expensive than other luxury brands?
  • 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.

MEET OUR EXPERTS
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Stephanie Colestock

Stephanie Colestock is a professional writer, CFEI®, 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, loans, credit/debt, investing, retirement planning, and banking.

Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, 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 SCUBA diving, reading a good book, and traveling the world with her family.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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