How much Audi insurance costs
Insuring a Audi costs about $2,075 a year for a typical model at the US average — above average — pricier than most brands. The cheapest is the Q3 (~$1,199/yr), the priciest the R8 (~$6,877/yr). Your own rate shifts with your state, age and record — but the model you pick sets the baseline.
INSURANCE / TYPICAL
$2,075
typical Audi / year
CHEAPEST
Q3
cheapest to insure ($1,199)
PRICIEST
R8
priciest to insure ($6,877)
COVERAGE
37
Audi models with data
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Audi insurance cost by model
Estimated annual premium for every Audi model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page.
FIG.01
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| Q3 | $1,199/yr | 83% of avg | Cheap |
| A3 | $1,329/yr | 92% of avg | Average |
| Q5 | $1,352/yr | 94% of avg | Average |
| Q7 | $1,356/yr | 94% of avg | Average |
| S3 | $1,360/yr | 95% of avg | Average |
| Q4 | $1,402/yr | 98% of avg | Average |
| A4 | $1,442/yr | 100% of avg | Average |
| TT | $1,513/yr | 105% of avg | Average |
| A4 allroad | $1,592/yr | 111% of avg | Average |
| A6 | $1,615/yr | 112% of avg | Pricey |
| SQ5 | $1,632/yr | 114% of avg | Pricey |
| e-tron | $1,647/yr | 115% of avg | Pricey |
| A5 | $1,728/yr | 120% of avg | Pricey |
| RS 3 | $1,821/yr | 127% of avg | Pricey |
| S5 | $1,905/yr | 133% of avg | Pricey |
| Q8 | $1,956/yr | 136% of avg | Pricey |
| A7 | $1,990/yr | 138% of avg | Pricey |
| e-tron Sportback | $2,029/yr | 141% of avg | Pricey |
| SQ7 | $2,075/yr | 144% of avg | Pricey |
| S4 | $2,094/yr | 146% of avg | Pricey |
| TT RS | $2,261/yr | 157% of avg | Pricey |
| e-tron GT | $2,325/yr | 162% of avg | Pricey |
| A6 allroad | $2,361/yr | 164% of avg | Pricey |
| S6 | $2,410/yr | 168% of avg | Pricey |
| SQ8 | $2,527/yr | 176% of avg | Pricey |
| RS 4 | $2,583/yr | 180% of avg | Pricey |
| RS 6 | $2,690/yr | 187% of avg | Pricey |
| TTS | $2,783/yr | 194% of avg | Pricey |
| RS Q8 | $2,895/yr | 201% of avg | Pricey |
| S7 | $3,131/yr | 218% of avg | Pricey |
| A8 | $3,154/yr | 219% of avg | Pricey |
| A8 L | $3,169/yr | 220% of avg | Pricey |
| RS 5 | $3,169/yr | 220% of avg | Pricey |
| RS 7 | $3,693/yr | 257% of avg | Pricey |
| S8 | $4,123/yr | 287% of avg | Pricey |
| RS e-tron GT | $5,375/yr | 374% of avg | Pricey |
| R8 | $6,877/yr | 478% of avg | Pricey |
ROWS 37·SOURCE HLDI × NAIC
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Cheapest Audis to insure
The Audi models that cost the least to insure at the US average.
Most expensive Audis to insure
The priciest Audis to insure — usually the most powerful and costly to repair.
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Audi insurance cost by state — all 50
Where you live moves a Audi premium as much as which model you pick. A typical Audi (index 144) runs about $2,877/yr in Florida but only $1,336/yr in Maine — a swing of over $1,540 on the same car.
Estimated annual premium for a typical Audi in every state, priciest first.
FIG.04
| State | Typical Audi / yr | vs US average |
|---|---|---|
| Florida | $2,877/yr | +39% vs US |
| Louisiana | $2,856/yr | +38% vs US |
| New York | $2,736/yr | +32% vs US |
| District of Columbia | $2,624/yr | +26% vs US |
| Georgia | $2,520/yr | +21% vs US |
| Texas | $2,492/yr | +20% vs US |
| Rhode Island | $2,467/yr | +19% vs US |
| New Jersey | $2,443/yr | +18% vs US |
| Colorado | $2,389/yr | +15% vs US |
| Maryland | $2,312/yr | +11% vs US |
| Nevada | $2,309/yr | +11% vs US |
| Michigan | $2,269/yr | +9% vs US |
| Delaware | $2,264/yr | +9% vs US |
| South Carolina | $2,188/yr | +5% vs US |
| Connecticut | $2,177/yr | +5% vs US |
| Arizona | $2,170/yr | +5% vs US |
| California | $2,044/yr | -1% vs US |
| Massachusetts | $2,040/yr | -2% vs US |
| Mississippi | $2,012/yr | -3% vs US |
| Oklahoma | $1,912/yr | -8% vs US |
| Missouri | $1,909/yr | -8% vs US |
| New Mexico | $1,878/yr | -9% vs US |
| Arkansas | $1,871/yr | -10% vs US |
| Utah | $1,854/yr | -11% vs US |
| Pennsylvania | $1,838/yr | -11% vs US |
| Alabama | $1,831/yr | -12% vs US |
| Oregon | $1,830/yr | -12% vs US |
| Alaska | $1,822/yr | -12% vs US |
| Illinois | $1,813/yr | -13% vs US |
| Virginia | $1,787/yr | -14% vs US |
| Washington | $1,782/yr | -14% vs US |
| West Virginia | $1,771/yr | -15% vs US |
| Minnesota | $1,765/yr | -15% vs US |
| Tennessee | $1,748/yr | -16% vs US |
| Kentucky | $1,744/yr | -16% vs US |
| Nebraska | $1,708/yr | -18% vs US |
| Montana | $1,708/yr | -18% vs US |
| Kansas | $1,705/yr | -18% vs US |
| Wyoming | $1,703/yr | -18% vs US |
| South Dakota | $1,670/yr | -20% vs US |
| North Carolina | $1,582/yr | -24% vs US |
| Ohio | $1,497/yr | -28% vs US |
| New Hampshire | $1,489/yr | -28% vs US |
| Indiana | $1,489/yr | -28% vs US |
| Iowa | $1,457/yr | -30% vs US |
| Wisconsin | $1,443/yr | -30% vs US |
| Hawaii | $1,440/yr | -31% vs US |
| Idaho | $1,416/yr | -32% vs US |
| North Dakota | $1,387/yr | -33% vs US |
| Vermont | $1,382/yr | -33% vs US |
| Maine | $1,336/yr | -36% vs US |
ROWS 51·SOURCE NAIC × HLDI
Estimate a specific Audi model in your state →
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Audi insurance cost by year
A typical Audi costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Audi premium by year (US average):
FIG.05
| Year | Typical Audi / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
ROWS 5·SOURCE NAIC
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
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Audi insurance — FAQ
Is Audi expensive to insure?
Audi is above average — pricier than most brands to insure — a typical model runs about $2,075/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less.
What is the cheapest Audi to insure?
The Q3 is the cheapest Audi to insure in our data — around $1,199/yr at the national average, about 17% below a typical car.
What is the most expensive Audi to insure?
The R8 is the priciest Audi to insure — roughly $6,877/yr, about 378% above the average car.
How much is insurance on a Audi per month?
A typical Audi costs about $173/month at the US average for full coverage. It varies by exact model, your state, age and driving record.
How is this Audi estimate calculated?
We combine each Audi model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.
Insurance-cost estimates for Audi computed by ForCar from HLDI/IIHS insurance-loss indices (relative losses versus an average car, 100 = average) combined with NAIC average premiums (2023). Estimates assume a typical driver with full coverage; your quote varies with age, record, credit, ZIP and coverage. For research and comparison, not a quote. Reviewed by Denis Kataev, founder of ForCar.
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