Cheap Audi Auto Insurance in 2024 (Big Savings With These 10 Companies!)

If you want cheap Audi auto insurance Erie, AAA, and State Farm are the top three companies, with Erie policies starting at $22/month.

There are many factors that affect Audi auto insurance prices, with some of them being the model, age, and safety features of the vehicle itself.

Our Top 10 Company Picks: Cheap Audi Auto Insurance

Driving habits, credit score, and location will also all be taken into consideration by companies when providing a quote on insurance policies.

Explore your auto insurance options by entering your ZIP code into our free comparison tool above today.

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#1 – Erie: Top Pick Overall

Pros

• Coverage Options: Rare coverage opportunities, including pet injury protection.
• High BBB Rating: Erie has an A+ with the BBB. Learn more with our Erie auto insurance review.
• Rideshare: You’ll have coverage if you drive for Uber or Lyft.

Cons

• Coverage Area: Erie insurance is not offered in all 50 states.
• Add-Ons Cost More: The more you want on your policy the more expensive it will be.

#2 – AAA: Cheapest for Members of AAA

Pros

• Membership Benefits: Towing, vehicle lockout, and rental cars included.
• Rewards Offered: Discounts provided for local attractions, going to movies, and out to eat.
• Vacation Options: With AAA, travel guides and discounted tickets are offered. Learn more with our AAA auto insurance review.

Cons

• High Rates: Almost 60% higher than the national average.
• Poor Credit, High Rates: Drivers with a low credit score will pay more.

#3 – State Farm: Cheapest for Drivers with Infractions

Pros

• Claim Process: State Farm keeps you up to date via app or online. Read more with our State Farm auto insurance review.
• Financial Rating: Superior A++ rating with A.M. Best.
• Medical Payments Coverage: Helps pay for healthcare.

Cons

• No Gap Coverage: Gap insurance not available for policies.
• Poor Credit, High Rates: Drivers with low credit scores will pay more.

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#4 – Travelers: Cheapest for Safe Drivers

Pros

• Coverage Options: Gap and new car replacement insurance available.
• Affordable Rates: Insurance costs are below the national average. Read more in our Travelers auto insurance review.
• Superior Financial Rating: Has an A++ with A.M. Best.

Cons

• IntelliDrive Program: Drivers could see an increase in rates.
• High Rates for Teens: Young drivers will see high rates despite new and clean driving history.

#5 – Progressive: Cheapest for High-Risk Drivers

Pros

• Affordable for High-Risk Drivers: Rates are less than the average for high-risk drivers.
• Discount Opportunities: Over a dozen available including bundling and good student discounts. Learn more with our Progressive auto insurance review.
• Progressive App: Drivers can make payments and access insurance card.

Cons

• Customer Service: An array of complaints against rates being changed.
• Snapshot Program: Unsafe driving habits could lead to higher rates.

#6 – Nationwide: Cheapest for Minimum Coverage

Pros

• Coverage Options: Medical payments, gap coverage, and accident forgiveness all offered.
• Additional Add-Ons: Drivers can also choose roadside assistance and rental reimbursement.
• SmartMiles: Usage-based program that provides discounts to drivers. Read more in our Nationwide auto insurance review.

Cons

• High Rates for DUIs: One infraction can raise your rates.
• Rideshare Not Available: If you drive for Lyft or Uber, you won’t have the option for coverage.

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#7 – American Family: Cheapest for Older Drivers

Pros

• Adult Drivers Pay Less: Older drivers will pay around $200 less per year than the average.
• SR-22 Insurance: This isn’t offered by every company. Read more in our American Family auto insurance review.
• Bundling Prices: You can save money by bundling insurance prices.
• KnowYourDrive: Usage-based app that provides discounts based off driving habits.

Cons

• Claim Handling: Drivers report low satisfaction rates with claim process.
• Availability: Auto insurance isn’t offered in certain states.

#8 – Farmers: Cheapest with Discounts

Pros

• Positive Customer Service: Drivers report high levels of customer satisfaction. Learn more with our Farmers auto insurance review.
• Signal: Usage-based program that offers discounts to safe drivers, signing up gets you %5 immediately.
• Discount Options: Easily get discounts for being paperless and a good driver.

Cons

• Availability: Auto insurance not offered in all 50 states.
• No Gap Coverage: Gap auto insurance coverage pays the difference between a totaled car’s worth and what you still owe.

#9 – Allstate: Cheapest for Modified Vehicles

Pros

• Drivewise: Provides a discount based on driving habits. Learn more with our Allstate auto insurance review.
• Custom Parts Coverage: Helps cover the cost to repair or replace modifications such as a stereo.
• Claim Satisfaction Guarantee: If you think a claim settlement was too low, Allstate will pay a portion of the difference.

Cons

• Teens Pay More: Additionally male teen drivers will pay around double what female teens pay.
• Expensive Policies: Full coverage is going to be higher than the national average.

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#10 – Liberty Mutual: Cheapest with Good Credit

Pros

• Medical Payments: Drivers can purchase medical payments coverage which pays for medical bills after an accident.
• Lifetime Replacement Guarantee: Any repairs done at an approved location are guaranteed for life. Read more with our Liberty Mutual auto insurance review.
• Bundling Options: Drivers can also bundle boat, homeowners, or small business insurance with their auto coverage.

Cons

• Poor Credit, High Rates: Drivers with low credit scores will pay more than double for auto insurance.
• Claim Process: Drivers report less than satisfactory results with claims handling.

Pricing for Audi Auto Insurance

How much is an Audi to insure? There are some truly low car insurance prices advertised online, and many companies that promise significant savings.

Lexus Auto Insurance Monthly Rates by Coverage Level & Provider

While you can certainly find savings, you need to draw the line between affordable coverage that is adequate and cheap coverage that isn’t worth anything.

Many times low prices are used as a gimmick to draw people in; no one is actually paying $29 a month for full coverage car insurance.

However, there are many scams and fraudulent companies that will be more than happy to take your money and run. There are also companies that are only slightly better than fraud, but they don’t really intend to pay out on any of your legitimate claims.

Basically, if it sounds too good to be true, then it is. No doubt about it; no insurance company can afford to pay out thousands of dollars in claims when every customer is only paying $29 a month.

If you encounter extremely low insurance prices for your Audi, like that dream $29 rate you have to understand that it is either fraud or a company that will use every trick in the book not have to pay your claims.

You can certainly find adequate coverage at a great price; it just takes a bit of work. The truth is that you can’t expect such cheap prices to really offer you protection.

Ways to Find Cheap Audi Auto Insurance

The main way to find the lowest auto insurance premiums for adequate coverage is by doing your homework and perhaps changing some of your driving habits.

There is a myriad of ways for you to lower car insurance rates, no matter what type of vehicle you drive. The first factor that you can control that has a direct impact on your car insurance costs is how you drive.

Auto insurance underwriters are going to look at your last three years of driving. If those years are dotted with speeding tickets and accidents, then they have no reason to think that their future driving will be any different. To offset your risk of being in an accident, insurance providers are going to charge you higher rates, and high-risk auto insurance can be expensive.

The National Highway Traffic Safety Administration maintained in a 1997 policy and implementation strategy for combating speeding that the behavior was a factor in as many as one-third of all fatal crashes.

While the rate of fatal crashes has been slowly dropping since then, speeding is still a major contributor in many car accidents.

Other factors that contribute to accidents include distracted driving, aggressive driving, and driving under the influence of drugs or alcohol. Changing those bad driving behaviors will lead to a decreased chance of injury or death, as well as lower car insurance costs.

Common Penalties for a First-Time DUI Offense

Another factor that you have control over that affects your car insurance rates is your credit history. It is a topic that is under hot debate at the moment, but insurance companies maintain that those people who are responsible with their finances are statistically more likely to be responsible drivers.

If you live in a state where insurance underwriters are allowed to use your credit history as a means for setting your car insurance rates, then you should improve your credit as much as possible.

Just as you need to drive safely to have a clean driving record, you also need to pay your financial obligations to have a good credit history. While it will take some time, there are also the benefits of having good credit to go along with lower coverage rates.

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Factors Affecting Audi Auto Insurance Prices

Is owning an Audi really that expensive? The answer will always depend on various factors. One factor that has a fair impact on your auto insurance prices is the safety of the vehicle that you drive. As an Audi driver, you know that they are built with safety as well as performance in mind.

The Insurance Institute for Highway Safety (IIHS) lists many Audis in its Top Safety Picks for 2013.

The IIHS is a nonprofit organization that performs crash test ratings on a slew of vehicles each year. Each year, they publish the list of top performers. Audi can tout the safety of the midsize Audi A3, the luxury A4 midsize and large A6 sedans, and the midsize luxury Audi Q5 SUV.

Vehicles with high safety ratings equate to lower claims in the eyes of car insurance underwriters. First, they likely have additional safety features for avoiding an accident altogether, such as traction control.

In addition, safer vehicles also have interior safety features that minimize injuries to passengers when there is an accident, such as seatbelts and airbags. A safer vehicle means lower car insurance prices, but it also means that your family or other passengers will likely suffer fewer serious injuries in the event of a crash. Safer vehicles are a win-win situation, though this doesn’t mean that you should go without collision auto insurance, which can help financially in the event of an accident.

Additional Factors for Audi Auto Insurance

Factors that are beyond your control include your location, your age, and your gender. These are all taken into consideration when you’re looking for Audi insurance. Whether or not you’re married will also affect your rates.

 Young male drivers get the short end of the stick with higher car insurance rates, as they are the single group that has the highest rate of vehicle accidents.

Many factors that are out of your immediate control are likely to change in the future. Young, inexperienced drivers become mature, seasoned drivers, single people get married, and sports cars might be turned in for sedans and minivans.

Best Auto Insurance for Audi Models

While there are certain factors you can control, it’s also a good idea to think about the things you won’t have control over while on the road. Other drivers, accidents, theft, or animal encounters being some examples.

No one wants to think about having an accident or other loss in the future, but it is inevitable that most people will be in a car accident, will be the victim of car theft, or will hit a deer or a fence post at some point in time.

Oh deer! 🦌 I love when Progressive brings me back to record announcer lines for fun commercials like this one – just found this out in the “wild” (ok I’ll stop). 😆 pic.twitter.com/SRHYXBuuaD

— MELISSA MEDÍNA (@melissamedinavo) April 15, 2024

Drivers buy car insurance to be ready for those mishaps of the future, but few take steps to make sure that their insurance companies will be there as well. Finding cheap Audi insurance doesn’t always mean going with the cheapest company.

Unfortunately, car insurance companies go out of business all of the time. You certainly don’t want to find out that your insurer is filing bankruptcy while you are trying to file a claim.

You should check the financial ratings of every car insurance provider that you are considering. The U.S. Securities and Exchange Commission has designated 10 current rating agencies to keep tabs on important businesses such as the auto insurance industry.

Checking the ratings with any of the ten rating agencies will help you to understand the bigger financial picture behind your insurance provider. Strong ratings indicate that your insurer is fiscally robust and has the assets to take on many challenges.

A.M. Best Financial Ratings for the Top Auto Insurance Companies

Poor ratings might mean that an insurance company has taken on too much risk, and they are not bringing in as much money as they are paying out. This is why it’s important to obtain multiple auto insurance quotes. It makes it easier to check customer satisfaction ratings and the financial status of each company.

While nothing is certain or guaranteed, you can be as sure as possible that an insurance provider will be solvent in the future to help cover your car damages or losses.

Compare Rates to Find Cheap Audi Auto Insurance

The last factor that can determine how much you pay for your Audi coverage is how you shop for car insurance. If you buy a policy from the first insurance company you try, then you can bet that you are likely overpaying.

All car insurance experts recommend that you compare prices for the same coverage from many different providers.

 For example, the Maine Department of Insurance publishes a consumer’s guide that accurately states that the only true way to know how much any car insurance company will charge you for coverage is to get many quotes from different providers to compare.

When you are in the process of evaluating auto insurance quotes, make sure you get quotes for the same amount of coverage from each provider so that your weigh your options accurately.

You can get quotes from agents, call centers, or websites, but the fastest way to easily get many quotes at once is to utilize quote comparison websites such as this one. You fill out one application and the car insurance providers will send you quotes for your perusal.

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Overall Cost of Audi Auto Insurance

The amount of coverage you’ll need and what you will pay is going to depend on the model of Audi you own. For example, Audi A3 insurance costs will be lower than the A4 since the A4 is a newer and more luxurious model.

Navigate through the intricacies of auto insurance costs for Audi vehicles with this comparative analysis against BMW and Mercedes, providing essential guidance for potential buyers.

You can always use the model you own or want to own as a starting point and compare it to other models, but there are other factors that will contribute to what you pay for coverage. Audi A3 insurance rates will depend on the age and condition of the vehicle, and the same can be said with most other models of Audi. 

Compare Auto Insurance Costs Across Audi Models

Discover the extensive table provided below to easily compare Audi auto insurance premiums based on different models, helping you swiftly identify the optimal coverage for your vehicle.

The cheapest Audi to insure will all depend on many outlying factors, including the driver. 

The Best Cheap Audi Auto Insurance

Audi drivers looking for affordable coverage will want to compare prices, especially given that Erie, AAA, and State Farm have the cheapest rates. By comparing quotes, drivers can easily ensure money is being saved in the long term. If you already have coverage, you can always manage your existing auto insurance policy and check the market to see if there are any cheaper offers.

To find out if you can get cheaper auto insurance rates, enter your ZIP code into our free quote tool below to instantly compare prices from various companies near you.

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