Audi Insurance Cost
Across 22 current Audi models, full coverage averages about $1,934 a year by our estimate — +22% versus the average vehicle ($1,590).
Audi insurance profile
Audi is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 10 luxury cars, 10 luxury suvs, and 1 luxury sports car. HLDI collision losses for its models average 174 (100 = all-vehicle average).
Every Audi model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Q3 | Luxury SUV | 2015–2027 | 97 | $1,440 | −9% |
| Q5 | Luxury SUV | 2009–2026 | 119 | $1,500 | −6% |
| S3 | Luxury car | 2015–2027 | 122 | $1,520 | −4% |
| Q7 | Luxury SUV | 2007–2026 | 123 | $1,570 | −1% |
| A3 | Luxury car | 2006–2027 | 118 | $1,615 | +2% |
| Q4 e-tron | Luxury SUV | 2022–2026 | 129 | $1,615 | +2% |
| SQ5 | Luxury SUV | 2014–2027 | 140 | $1,720 | +8% |
| A5 | Luxury car | 2008–2027 | 154 | $1,735 | +9% |
| RS 3 | Luxury car | 2017–2027 | 182 | $1,810 | +14% |
| S5 | Luxury car | 2008–2027 | 177 | $1,830 | +15% |
| Q8 | Luxury SUV | 2019–2027 | 158 | $1,835 | +15% |
| A6 | Luxury car | 2005–2026 | 172 | $1,860 | +17% |
| Q6 e-tron | Luxury SUV | 2025–2027 | — | $1,870 | +18% |
| A6 e-tron | Luxury car | 2027–2027 | — | $1,910 | +20% |
| SQ7 | Luxury SUV | 2020–2026 | 175 | $1,930 | +21% |
| RS 6 Avant | Wagon | 2021–2026 | 195 | $2,040 | +28% |
| e-tron GT | Luxury sports car | 2022–2027 | 225 | $2,195 | +38% |
| SQ8 | Luxury SUV | 2020–2027 | 208 | $2,240 | +41% |
| RS Q8 | Luxury SUV | 2020–2027 | 217 | $2,340 | +47% |
| RS 7 | Luxury car | 2014–2026 | 243 | $2,445 | +54% |
| S8 | Luxury car | 2007–2027 | 256 | $2,665 | +68% |
| A8 | Luxury car | 2005–2027 | 274 | $2,865 | +80% |
Older and discontinued Audi models
What makes Audi insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 4 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 20 models range from 97 to 274, so the model you pick matters as much as the brand.
- Segment mix: 10 luxury car, 10 luxury suv, 1 luxury sports car, 1 wagon.
Average Audi insurance cost by state
Average full-coverage estimate across current Audi models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,284 | −34% |
| Idaho | $1,341 | −31% |
| Vermont | $1,361 | −30% |
| North Dakota | $1,384 | −28% |
| Hawaii | $1,387 | −28% |
| Wisconsin | $1,387 | −28% |
| Indiana | $1,423 | −26% |
| New Hampshire | $1,428 | −26% |
| Ohio | $1,433 | −26% |
| Iowa | $1,434 | −26% |
| North Carolina | $1,552 | −20% |
| Kentucky | $1,628 | −16% |
| Washington | $1,634 | −16% |
| Kansas | $1,659 | −14% |
| Nebraska | $1,663 | −14% |
| Oregon | $1,664 | −14% |
| Montana | $1,668 | −14% |
| South Dakota | $1,669 | −14% |
| Virginia | $1,684 | −13% |
| Tennessee | $1,687 | −13% |
| Utah | $1,694 | −12% |
| Minnesota | $1,697 | −12% |
| Wyoming | $1,702 | −12% |
| West Virginia | $1,717 | −11% |
| Alaska | $1,728 | −11% |
| Illinois | $1,730 | −11% |
| Alabama | $1,761 | −9% |
| Pennsylvania | $1,775 | −8% |
| New Mexico | $1,785 | −8% |
| Missouri | $1,822 | −6% |
| Arkansas | $1,825 | −6% |
| Oklahoma | $1,851 | −4% |
| Mississippi | $1,929 | 0% |
| Massachusetts | $1,930 | 0% |
| California | $1,970 | +2% |
| South Carolina | $1,995 | +3% |
| Connecticut | $2,003 | +4% |
| Arizona | $2,024 | +5% |
| Delaware | $2,040 | +5% |
| Nevada | $2,050 | +6% |
| Maryland | $2,147 | +11% |
| Michigan | $2,158 | +12% |
| New Jersey | $2,208 | +14% |
| Rhode Island | $2,263 | +17% |
| Colorado | $2,266 | +17% |
| Georgia | $2,283 | +18% |
| Texas | $2,381 | +23% |
| New York | $2,492 | +29% |
| District of Columbia | $2,494 | +29% |
| Florida | $2,549 | +32% |
| Louisiana | $2,663 | +38% |
Frequently asked questions
How much does it cost to insure a Audi?
Across 22 current Audi models, our full-coverage estimate averages $1,934 a year for a driver in their 30s with a clean record, 22% more than the average vehicle ($1,590).
What is the cheapest Audi to insure?
The Audi Q3 has the lowest estimate at about $1,440 a year for full coverage; the Audi A8 is the most expensive at about $2,865.
Are Audi repairs expensive for insurers?
HLDI collision-loss data for 20 Audi models averages 174 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Audi?
By our estimates, Maine is the cheapest state (about $1,284 a year on average across current models) and Louisiana the most expensive (about $2,663).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.