- Audi e-tron car insurance costs an average of $2,174 per year or around $181 per month, depending on the trim level.
- When compared to other midsize luxury SUVs, the 2023 Audi e-tron is one of the more expensive midsize luxury SUVs to insure, costing $124 more per year on average.
- The e-tron Premium trim level is the cheapest to insure at around $1,964 per year. The most expensive trim is the RS GT at $2,460 per year.
How much does Audi e-tron car insurance cost?
Audi e-tron insurance costs on average $2,174 a year, or about $181 on a monthly basis. You can expect to pay approximately $124 more per year for Audi e-tron insurance as compared to the average rate for midsize luxury SUVs, and $489 more per year than the all-vehicle national average of $1,685.
The chart below illustrates how average Audi e-tron insurance rates fluctuate based on the age of the driver and comprehensive and collision deductibles.
Rates vary from $1,604 per year for a driver age 60 with $1,000 physical damage deductibles to the highest rate of $5,122 annually for a driver age 20 with a deductible of $250.
The following table shows average annual and semi-annual full coverage Audi e-tron insurance rates for the 2019 to 2023 model years.
| Model Year and Vehicle | Annual Rate | 6-month Rate | Monthly Rate |
|---|---|---|---|
| 2023 Audi e-tron | $2,174 | $1,087 | $181 |
| 2022 Audi e-tron | $2,236 | $1,118 | $186 |
| 2021 Audi e-tron | $2,104 | $1,052 | $175 |
| 2020 Audi e-tron | $2,074 | $1,037 | $173 |
| 2019 Audi e-tron | $2,020 | $1,010 | $168 |
How does Audi e-tron insurance rank vs. the competition?
The Audi e-tron ranks 25th out of 37 total comparison vehicles in the 2023 midsize luxury SUV class. The e-tron costs an average of $2,174 per year to insure, while the segment median rate is $2,050 annually, a difference of $124 per year.
When compared to other midsize luxury models, insurance for a Audi e-tron costs $596 more per year than the Lexus RX 350, $56 less than the BMW X5, $418 more than the Acura MDX, and $498 more than the Cadillac XT5.
The table below shows how auto insurance cost for a 2023 Audi e-tron compares to all other midsize luxury SUVs like the Lexus RX 350, BMW X5, and the Tesla Model X.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Lexus RX 350 | $1,578 | -$596 |
| 2 | Infiniti QX50 | $1,632 | -$542 |
| 3 | Cadillac XT5 | $1,676 | -$498 |
| 4 | Cadillac XT6 | $1,716 | -$458 |
| 5 | Acura MDX | $1,756 | -$418 |
| 6 | Lincoln Nautilus | $1,786 | -$388 |
| 7 | Lexus RX 350L | $1,804 | -$370 |
| 8 | Land Rover Discovery Sport | $1,806 | -$368 |
| 9 | Jaguar E-Pace | $1,808 | -$366 |
| 10 | Volvo V90 | $1,838 | -$336 |
| 11 | Lexus RX 450h | $1,858 | -$316 |
| 12 | Lexus GX 460 | $1,880 | -$294 |
| 13 | Lexus RX 450hL | $1,890 | -$284 |
| 14 | Volvo V60 | $1,896 | -$278 |
| 15 | Mercedes-Benz AMG GLB35 | $1,934 | -$240 |
| 16 | Genesis GV80 | $1,936 | -$238 |
| 17 | Audi SQ5 | $1,940 | -$234 |
| 18 | Lincoln Aviator | $1,958 | -$216 |
| 19 | Infiniti QX60 | $1,974 | -$200 |
| 20 | Mercedes-Benz GLE450 | $1,990 | -$184 |
| 21 | Mercedes-Benz GLE350 | $2,014 | -$160 |
| 22 | Land Rover Discovery | $2,022 | -$152 |
| 23 | Mercedes-Benz AMG GLC43 | $2,056 | -$118 |
| 24 | Audi Q7 | $2,104 | -$70 |
| 25 | Audi e-tron | $2,174 | -- |
| 26 | Tesla Model X | $2,184 | $10 |
| 27 | Mercedes-Benz AMG GLE53 | $2,190 | $16 |
| 28 | BMW X5 | $2,230 | $56 |
| 29 | Audi Q8 | $2,238 | $64 |
| 30 | Land Rover Range Rover Sport | $2,254 | $80 |
| 31 | Audi SQ7 | $2,362 | $188 |
| 32 | BMW iX | $2,396 | $222 |
| 33 | BMW X6 | $2,442 | $268 |
| 34 | Porsche Cayenne | $2,462 | $288 |
| 35 | Mercedes-Benz AMG GLE63 | $2,582 | $408 |
| 36 | Audi RS 6 | $2,624 | $450 |
| 37 | BMW XM | $2,872 | $698 |
Is Premium Plus or Prestige cheaper to insure?
The cheapest Audi e-tron to insure is the Premium at $1,964 per year. The RS GT runs a little higher at $2,460 per year. Expect to budget at least $164 per month for full coverage insurance on an e-tron.
The table below shows average car insurance rates for each 2023 Audi e-tron trim level.
| Audi e-tron Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Premium | $1,964 | $982 | $164 |
| Sportback Premium | $2,008 | $1,004 | $167 |
| Premium Plus | $2,054 | $1,027 | $171 |
| Sportback Premium Plus | $2,090 | $1,045 | $174 |
| Chronos Edition | $2,142 | $1,071 | $179 |
| S Premium Plus | $2,158 | $1,079 | $180 |
| Sportback Prestige | $2,168 | $1,084 | $181 |
| S Sportback Premium Plus | $2,180 | $1,090 | $182 |
| S Prestige | $2,216 | $1,108 | $185 |
| S Sportback Prestige | $2,238 | $1,119 | $187 |
| GT Premium Plus | $2,284 | $1,142 | $190 |
| GT Prestige | $2,318 | $1,159 | $193 |
| RS GT | $2,460 | $1,230 | $205 |
Below are some additional rates for different risk scenarios, along with some ideas for cutting the cost of your next policy.
- Clean up your credit to lower your rates. Having a good credit rating over 800 could save you $341 per year compared to a lower credit score of 670-739. Conversely, a weak credit rating could cost up to $396 more per year. Not all states allow credit scores to be used to determine car insurance rates, however.
- Older drivers pay less than younger drivers. The difference in car insurance cost for an Audi e-tron between a 40-year-old driver ($2,174 per year) and a 20-year-old driver ($4,328 per year) is $2,154, or a savings of 66.3%.
- High-risk drivers pay extremely high rates. For a 30-year-old driver, having to buy a high-risk insurance policy could inflate rates by $2,624 or more per year.
- Make your policy cheaper by raising deductibles. Boosting your deductibles from $500 to $1,000 could save around $384 per year for a 40-year-old driver and $754 per year for a 20-year-old driver.
- The lower deductible you choose, the higher the policy cost. Dropping your physical damage deductibles from $500 to $250 could cost an additional $402 per year for a 40-year-old driver and $794 per year for a 20-year-old driver.
- A good driving record pays dividends. To get the cheapest Audi e-tron car insurance rates, you need to drive sensibly. In fact, just a few driving offenses could possibly increase insurance policy rates by at least $564 per year. Major convictions such as DUI and hit-and-run could raise rates by an additional $1,988 or more.
- Be a careful driver and pay less for insurance. At-fault accidents raise insurance rates, possibly as much as $3,022 per year for a 20-year-old driver and as much as $670 per year for a 50-year-old driver.
