Over the past year, Jerry has helped 15,470 Audi drivers find coverage that fits their vehicles and their budgets. By analyzing real Audi insurance policies, we know what owners are actually paying and what you can expect for each level of protection.
Competitive annual prices for Audi drivers are currently around:
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$1,060 for basic coverage.
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$2,318 for standard coverage.
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$3,786 for premium coverage.
Your actual premiums depend on personal factors like your Audi model as well as your driving history, age and location.
On average, Audi drivers pay between $2,630 and $6,360 annually for full coverage, with an average premium around $5,200. That’s above the national average of $4,125, reflecting Audi’s advanced engineering, high-value parts and technology-driven repair costs.
Already insured? Jerry pulls live quotes from top insurers so you can easily compare and see if you’re getting the best price and coverage. If we find a better deal, you can switch right away, even before renewal time. Jerry does the legwork to cancel your old policy and help get any refund you’re owed.
Fast track your Audi insurance with Jerry.
How much does Audi insurance cost?
Audi insurance rates can vary widely, but Jerry makes it easy to see what real drivers with your model and profile are paying today.
Recent quotes
Name | Date | Model | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
| Kenneth, 26, Lakewood, WA | 10/20/26 | Q5 Premium Plus | Root | Standard | $186 | 18% |
| Grace, 51, Pine Mountain Club, CA | 10/20/26 | A4 Premium Plus S-Li | Bristol West | Basic + Full Coverage | $286 | 9% |
| Alejandro, 23, San Francisco, CA | 10/20/26 | A4 Allroad Premium | Root | Standard | $196 | 22% |
| Max, 48, Spring Valley, CA | 10/20/26 | A6 Premium Plus | Mercury | Basic + Full Coverage | $188 | 39% |
| Hilda, 57, Everett, MA | 10/20/26 | Q5 Premium | Progressive | Standard | $90 | 40% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Key takeaway: Even in the same city, Audi drivers can see premiums that differ by thousands. Jerry compares quotes from leading insurers to help you choose coverage that fits your car, lifestyle and budget.
Insurance costs for other makes
How much does insurance cost for each Audi model?
Audi insurance runs high across the board: comparable to BMW and Mercedes-Benz, with specialized parts, higher repair costs and premium replacement values all factored in. The spread across the lineup is real though, with entry A-series sedans considerably cheaper than Q7 and Q8 SUVs. Find your model below to see current averages from Jerry drivers.
Model | Average monthly cost | Average annual cost |
|---|---|---|
| A4 1.8t Avant Quat S | $155 | $1,860 |
| A4 2.0t Avant Quattro | $178 | $2,135 |
| A4 3.0 | $186 | $2,238 |
| Q5 Tdi Prestige | $188 | $2,253 |
| A4 1.8t Avant Quattr | $198 | $2,375 |
| Tt Quattro 3.2 | $202 | $2,428 |
| A4 1.8 S-Line Cab | $210 | $2,515 |
| A6 3.0 | $210 | $2,523 |
| A4 3.0 Quattro | $212 | $2,538 |
| Q3 | $213 | $2,558 |
| A4 Allroad Premium Plus | $214 | $2,563 |
| S4 Quattro Cabriolet | $214 | $2,574 |
| A4 1.8 T | $221 | $2,657 |
| A4 Cabriolet 2.0t S- | $230 | $2,765 |
| Q5 Titanium Premium | $232 | $2,786 |
| Tt Prestig | $235 | $2,815 |
| A3 2.0 Premium | $235 | $2,818 |
| A3 2.0 | $235 | $2,820 |
| A4 3.2 | $242 | $2,907 |
| Tt Quattro | $244 | $2,925 |
| A6 3.0 Quattro | $244 | $2,933 |
| Q7 4.2 Quattro Premi | $248 | $2,978 |
| A4 1.8t Quattro | $251 | $3,007 |
| A4 1.8 Cabriolet | $251 | $3,008 |
| A4 Cabriolet 3.2 Qua | $253 | $3,040 |
| Q5 Tdi Premium Plus | $255 | $3,060 |
| A4 Premium Plus S-Line | $260 | $3,124 |
| A4 Quattro | $263 | $3,160 |
| Q3 Premium Plus S Line 45 | $266 | $3,195 |
| S4 Quattro Cab | $266 | $3,195 |
| Allroad | $267 | $3,209 |
| Q3 Premium Plus | $281 | $3,367 |
| A7 Quattro Progressi | $284 | $3,408 |
| Q7 Tdi Premium Plus | $286 | $3,433 |
| Q5 Komfort 45 | $287 | $3,441 |
| Q5 3.2 | $289 | $3,467 |
| Q3 Progressiv | $291 | $3,496 |
| A4 3.0 Cabriolet | $292 | $3,501 |
| A6 4.2 Quattro | $294 | $3,530 |
| Q5 Premium Hybrid | $294 | $3,532 |
| A3 2.0 Quattro | $298 | $3,579 |
| A6 Quattro | $302 | $3,628 |
| Q3 Premium Plus S-Li | $303 | $3,635 |
| Q3 Premium Plus S-Line | $304 | $3,642 |
| A3 Premium Plus S-Li | $308 | $3,699 |
| A3 2.0 Sport | $309 | $3,710 |
| A5 Prestige 40 | $310 | $3,725 |
| Q3 Prestige | $311 | $3,738 |
| Q3 2.0t Prestige | $312 | $3,747 |
| A4 Premium Plus | $313 | $3,750 |
| Q5 Prestige S-Line | $316 | $3,787 |
| Q8 E-Tron Prestige | $318 | $3,821 |
| Q5 Prestige 45 | $319 | $3,834 |
| A5 Quattro | $319 | $3,834 |
| Q3 Premium Plus 40 | $321 | $3,854 |
| Q5 | $324 | $3,894 |
| Sq5 Sportback Presti | $325 | $3,897 |
| A4 2.0t Avant Quattr | $326 | $3,911 |
| Q7 3.6 Quattro AWD | $327 | $3,925 |
| Q5 E Premium | $328 | $3,939 |
Based on Jerry customers with clean driving records who received quotes in the past 12 months. Savings depend on coverage, location, and other factors. Potential savings will vary.
What’s the best insurance for an Audi?
Owning an Audi means more than driving — it’s an experience built around precision, performance and design. Protecting that investment takes more than the state minimum.
If your Audi is leased or financed, your lender will require full coverage. You may also need gap insurance, which covers what’s left on your loan if your car is totaled.
Jerry recommends Audi drivers carry at least 100/300/100 liability with collision and comprehensive coverage. While that’s higher than most state minimums, it’s smart protection for vehicles with higher repair and replacement costs.
Here are the most common types of coverage, what they include and why Audi drivers choose them.
Higher liability limits
Audis deliver strong performance, which can make at-fault accidents more expensive. About 55% of Jerry Audi drivers choose higher-than-minimum coverage.
Full coverage
Comprehensive and collision coverage protect against theft, weather and damage from accidents you cause. Roughly 47% of Audi drivers carry full coverage for complete protection.
OEM parts coverage
Ensures your Audi is repaired with genuine parts and certified technicians after a crash. Usually available for vehicles between three and ten years old.
New car replacement
Replaces your Audi with a new model if yours is totaled early in ownership. Ideal for newer, high-value models or leases.
Roadside assistance
Covers towing, lockouts and jump-starts. Audi includes four years of roadside assistance on new vehicles, but many owners extend it beyond the warranty.
Rental reimbursement
Covers a rental car while your Audi is in the shop. Most insurers offer 30 to 45 days of coverage depending on your plan and state.
Gap insurance
Covers what’s left on your lease or loan if your Audi is totaled. About 39% of all drivers add gap coverage when financing a vehicle.
Accident forgiveness
Prevents your rates from spiking after your first at-fault accident. Without it, Audi drivers can see premiums rise by 7% or more.
See coverage options for your Audi.
Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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4 smart ways Audi drivers can lower insurance costs
Finding the right insurance means balancing premium protection with cost efficiency. For Audi owners, that balance can be tricky since insurers price high-performance vehicles differently depending on parts, tech and safety systems.
Jerry’s experts help Audi drivers lower premiums without cutting the protection their cars deserve. Here are our top tips.
| How to save | Typical savings |
|---|---|
| Compare quotes | 42% to 68% among Audi drivers |
| Stack discounts | 26% to 49% among all drivers |
| Adjust coverage | 7% to 61% among all drivers |
| Sign up for telematics | 6% among all drivers |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tip 1: Compare quotes before renewal
Not every insurer prices Audi coverage accurately. Some overestimate repair costs, while others recognize Audi’s strong safety performance and reliability. Comparing quotes helps you find the right fit for your model and driving habits.
Here’s where Audi drivers who saved most often switched last year after comparing rates with Jerry:
| Insurer | Audi drivers who switched | Average Jerry savings |
|---|---|---|
| Root | 31% | 3% |
| Progressive | 25% | 20% |
| Bristol West | 13% | 27% |
| Alpine Rio Basic PLUS | 6% | 29% |
| Alpine Rio Credit | 6% | 45% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Why it matters: Audi drivers can save nearly half by comparing quotes. Jerry shows real prices in real time so you can choose your best deal before you buy.
Tip 2: Combine discounts for greater savings
Audi owners often qualify for multiple discounts, including safe driver programs, bundling, and loyalty offers. Many aren’t applied automatically by insurers, though.
Jerry identifies your available discounts to help maximize your savings.
Key takeaway: Discounts can add up to more savings than raising deductibles alone.
Tip 3: Match your coverage to your Audi
From the A3 to the Q7, every Audi has unique coverage needs. Most drivers carry full coverage and higher limits on newer or higher-value models, then adjust deductibles or extras as vehicles age.
Minimum
$74 – $189/mo
Offers the legal minimum limits, which vary by state.
Full
$208 – $526/mo
Includes minimum liability plus collision and comprehensive coverage.
Standard
$202 – $499/mo
Increases liability limits, adds things like UM/UIM, medical, towing & more.
Preferred
$229 – $553/mo
Raises liability further, lowers deductibles, expands extra coverages.
Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.
Why it matters: Most Audi drivers with newer models opt for full coverage and higher limits. Jerry experts recommend 100/300/100 for strong protection that fits your lifestyle and your car.
Tip 4: Try telematics for personalized savings
Telematics programs track driving habits like mileage, acceleration, and braking to tailor your rate to how you actually drive. For Audi owners, these programs can reduce premiums by an average of 6%, especially for those who drive smoothly and avoid heavy traffic or long commutes.
Based on drivers with no accidents or violations who saved with Jerry over the past 12 months. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Jerry Proof: Real Audi drivers, real savings
See what real Audi owners are saving. Here are live examples of drivers, their vehicles and the deals they secured by comparing quotes with Jerry.
Recent quotes
Customer | Model | Date | Insurer | Old rate | New rate | Savings |
|---|---|---|---|---|---|---|
| Kenneth, 26, Lakewood, WA | Q5 Premium Plus | 10/20/26 | Root | $2,724 | $2,232 | $492 |
| Anthony, 31, Grand Prairie, TX | A5 Premium Plus | 10/20/26 | Progressive | $1,680 | $1,295 | $385 |
| Seth, 51, Pine Mountain Club, CA | A4 Premium Plus S-Li | 10/20/26 | Root | $3,792 | $3,262 | $530 |
| Kevin, 45, Sumner, WA | A4 Premium | 10/20/26 | Sentry | $1,944 | $1,802 | $142 |
| Alejandro, 23, San Francisco, CA | A4 Allroad Premium | 10/20/26 | Root | $3,000 | $2,352 | $648 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Customer feedback: Drivers who switched with Jerry rate us 4.6 out of 5 stars on Trustpilot.
Drive with confidence
Audi insurance can be pricey, but overpaying isn’t inevitable. Whether you drive a sleek A6, a powerful SQ5 or an electric e-tron, Jerry helps you find coverage that matches Audi’s precision and performance, without the premium price.
We compare top insurers, uncover discounts and manage renewals so your coverage stays as refined as your drive.
It only takes 2 minutes to sign up at Jerry
FAQ
- Is Audi expensive to insure?
- Is an Audi S or RS model more expensive to insure than standard trims?
- What full coverage do I need for a financed or leased Audi?
- How much does it cost to insure an Audi?
- Does an Audi e-tron or Q8 e-tron cost more to insure than a gas Audi?
- How do I lower my Audi insurance rate?
- How much does it cost to insure an Audi A4?
- How much does it cost to insure an Audi Q7?
- How much does it cost to insure an Audi Q5?
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.
Methodology
Statistics and conclusions presented in this article based on drivers who requested quotes through Jerry over the past 12 months and who had no accidents or violations, unless otherwise indicated. Quotes and coverage not available for all customers. Not all customers find savings.
