- Average Audi car insurance rates for 2024 models range from $2,646 a year for a Audi SQ5 up to $4,078 per year for the Audi A8.
- Compared to other luxury brands, average car insurance cost for an Audi is 15.1% more expensive than Lexus, 20.8% more expensive than Infiniti, and 1.5% cheaper than BMW.
- Average monthly insurance cost on an Audi with full coverage ranges from $221 to $340, depending on the model.
A subsidiary of Volkswagen Group, Audi is a German automobile manufacturer that produces luxury cars and SUVs like the A3 sedan, the TT sports car, and the Q3 crossover.
Audi ranks 28th out of 32 car brands for reliability, which averages 3.0 out of 5 stars according to RepairPal.com. Average annual repair costs for all Audi models runs $987 per year, which is considered an average amount across all brands.
J.D. Power ranks Audi 26th out of 34 brands, with 232 problems per 100 vehicles for the 2022 model year. This is 40 problems per 100 vehicles more than the average of 192 across all brands compared.
From a safety standpoint, the Audi A3, A4, A4 allroad, and A5 coupe and sportback received IIHS Top Safety Pick+ designations, which is the highest safety rating awarded.
How much does Audi insurance cost?
Average Audi car insurance rates for 2024 models range from $2,646 a year for a Audi SQ5 up to $4,078 per year for the Audi A8. The average cost per year when averaged for all Audi models is $3,098.
When compared to the average car insurance rate for all vehicles in the U.S. of $2,276, the cost to insure Audi models averages $822 more per year.
The table below breaks out average cost of insurance for each Audi model. Click any model link to view additional rate and comparison data.
| Model | Annual Premium | Cost Per Month |
|---|---|---|
| Audi A3 | $2,698 | $225 |
| Audi A4 | $2,762 | $230 |
| Audi A5 | $2,850 | $238 |
| Audi A6 | $3,108 | $259 |
| Audi A7 | $3,346 | $279 |
| Audi A8 | $4,078 | $340 |
| Audi e-tron | $2,994 | $250 |
| Audi Q3 | $2,660 | $222 |
| Audi Q4 | $2,800 | $233 |
| Audi Q5 | $2,670 | $223 |
| Audi Q7 | $2,912 | $243 |
| Audi Q8 | $3,082 | $257 |
| Audi R8 2023 and prior model years | $4,482 | $374 |
| Audi RS 3 | $2,868 | $239 |
| Audi RS 5 | $3,180 | $265 |
| Audi RS 6 | $3,564 | $297 |
| Audi RS 7 | $3,608 | $301 |
| Audi S3 | $2,690 | $224 |
| Audi S4 | $2,760 | $230 |
| Audi S5 | $2,958 | $247 |
| Audi S6 | $3,204 | $267 |
| Audi S7 | $3,710 | $309 |
| Audi S8 | $3,972 | $331 |
| Audi SQ5 | $2,646 | $221 |
| Audi SQ7 | $3,224 | $269 |
| Audi TT 2023 and prior model years | $2,420 | $202 |
Is insurance for an Audi expensive?
When compared to other competing luxury brands, average annual Audi car insurance rates are $434 more expensive than Lexus, $583 more expensive than Infiniti, $47 cheaper than BMW, and $371 cheaper than Mercedes-Benz.
The chart below compares average Audi car insurance cost to six other popular premium automotive brands.
As shown in the chart above, Audi is one of the more expensive luxury automotive manufacturers to insure, along with BMW and Mercedes. When cost difference is considered as percentages, Audi insurance averages 1.5% less per year than BMW, 11.3% less than Mercedes-Benz, and 15.1% more than the Lexus average rate.
The next table includes some additional luxury brands like Land Rover and Jaguar, and also includes many more mainstream brands like Chevrolet, Ford, Toyota, and Honda.
The difference column illustrates how each brand compares to the average Audi insurance rate shown in the first table row. Green indicates a lower average rate than Audi, while red indicates a more expensive average rate.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Audi | $3,098 | -- |
| Acura | $2,255 | -$843 |
| BMW | $3,145 | $47 |
| Cadillac | $2,579 | -$519 |
| Chevrolet | $2,427 | -$671 |
| Ford | $2,500 | -$598 |
| Genesis | $2,866 | -$232 |
| GMC | $2,495 | -$603 |
| Honda | $2,174 | -$924 |
| Hyundai | $2,370 | -$728 |
| Infiniti | $2,515 | -$583 |
| Jaguar | $2,954 | -$144 |
| Jeep | $2,620 | -$478 |
| Kia | $2,314 | -$784 |
| Land Rover | $3,141 | $43 |
| Lexus | $2,664 | -$434 |
| Lincoln | $2,650 | -$448 |
| Mazda | $2,294 | -$804 |
| Mercedes-Benz | $3,469 | $371 |
| Mitsubishi | $2,329 | -$769 |
| Nissan | $2,483 | -$615 |
| Subaru | $2,282 | -$816 |
| Tesla | $2,909 | -$189 |
| Toyota | $2,458 | -$640 |
| Volkswagen | $2,239 | -$859 |
| Volvo | $2,684 | -$414 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Insurance cost is averaged for all models for the 2024 model year for each automobile manufacturer. Updated October 24, 2025
When non-luxury brands are included in the comparison, it’s pretty clear that Audi insurance rates are definitely on the high end.
When compared to U.S. manufacturers like Ford and Chevrolet, average Audi insurance cost is 21.4% more expensive per year than Ford and 24.3% more expensive than Chevy.
Other popular brands and their respective percentage difference in cost from Audi include Toyota at 23% less, Honda at 35.1% less, Kia at 29% less, and Nissan at 22% less per year.
Which Audi models are cheapest to insure?
For 2024 models, the cheapest Audi model to insure is the Audi SQ5, which is a midsize luxury SUV costing an average $2,646 per year, or around $221 per month. The Audi Q3 comes in second at $2,660 per year.
The next three cheapest Audi vehicles to insure are the Audi Q5, Audi S3, and Audi A3. Annual and monthly auto insurance rates for the five cheapest Audi vehicles to insure are shown below.
Cheapest Audi vehicles to insure for 2024
- Audi SQ5 – (midsize luxury SUV) Average yearly rate of $2,646 or $221 per month
- Audi Q3 – (small luxury SUV) Average yearly rate of $2,660 or $222 per month
- Audi Q5 – (small luxury SUV) Average yearly rate of $2,670 or $223 per month
- Audi S3 – (small luxury car) Average yearly rate of $2,690 or $224 per month
- Audi A3 – (midsize luxury car) Average yearly rate of $2,698 or $225 per month
Which Audi models cost the most to insure?
For 2024 models, the most expensive Audi model to insure at $4,078 per year, or around $340 per month, is the Audi A8 large luxury car. The Audi S8 ranks second at $3,972 per year.
Annual and monthly auto insurance rates for the top five most expensive Audi models to insure are listed below.
Most expensive Audi vehicles to insure for 2024
- Audi A8 – (large luxury car) Average yearly rate of $4,078 or $340 per month
- Audi S8 – (large luxury car) Average yearly rate of $3,972 or $331 per month
- Audi S7 – (midsize luxury car) Average yearly rate of $3,710 or $309 per month
- Audi RS 7 – (large luxury car) Average yearly rate of $3,608 or $301 per month
- Audi RS 6 – (midsize luxury SUV) Average yearly rate of $3,564 or $297 per month