Best Car Insurance for Audi 2022
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You want a car that represents who you are-refined, classy, and luxurious. As an Audi owner, you know that your ride says it all. So how much should it cost to insure?
While it's common for the owner of an Audi to pay $2,036 per year for car insurance, not all models are equal.
Your car insurance rates depend on a number of factors, including your model, engine size, and options. An A4 2.0T Cabriolet Quattro costs $1,735 less to insure than a Q7 3.6 Quattro Premium S-Line per year.
Here's what drivers pay when they switch with Carlay
We asked some of our Carlay customers whether they saved money when insuring their Audi. Here's how much they saved after switching to Carlay:
|Quote Date||Car||City, State||Zip Code||Age||Carrier||Before Carlay||After Carlay|
|July 31, 2022||Audi A6 Premium Plus||San Jose, CA||95134||28||Progressive||$150/mo.||$122/mo.|
|July 19, 2022||Audi A5 Premium Plus S-Line||Philadelphia, PA||19147||28||ClearCover||$177/mo.||$147/mo.|
|January 13, 2022||Audi Q3 Premium Plus||Jacksonville
|October 2, 2022||Audi Q3 Premium S Line||Miami
|January 16, 2022||Audi S5 Premium Plus||Simi Valley, CA||93063||24||Allstate||$250/mo.||$219/mo.|
Best insurance carriers for your Audi
- Pricing and Reviews
When you're looking to buy car insurance, you can ask prospective insurers about the factors they consider when setting premiums. These include your age, gender, location, and driving record.
But, because each insurance company makes its own decisions about how to weigh different factors, the chances are good that you'll get very different rates—even for the same coverage. Commonwealth Insurance is the cheapest premium provider for Audi, charging an annual premium of $1,061.
Other popular Audi auto insurance providers are as follows:
With all of the technology available, one might think that finding a car insurance company with a reliable digital presence would be a breeze—but that's not usually the case. Carlay, a leading car insurance comparison site, gives Nationwide a 4.6/5 rating for its accessible online platform, mobile app, and website that make it easy for drivers to get the insurance they need.
It's no secret that insurance premiums can be a bit complicated. But Progressive has you covered. With a number of different coverage levels, discounts, and features available at different price points, finding the right plan for your driving-related needs just got a whole lot easier. Carlay gives Progressive Insurance a rating of 4.6/5, which is pretty good!
Kemper specializes in insuring high-risk drivers, including those with multiple DUIs, at-fault accidents, not-at-fault accidents, and reckless driving charges. It'll file an SR22 forms for you, which proves to the state that you have liability insurance. It also offers insurance to people who have had their licenses suspended by the state and even those whose vehicles have salvage titles. Kemper earned a 4.3/5 rating for overall customer satisfaction from Carlay for its low rates and easy-to-use website.
There are many benefits to being a Safeco customer. One of these is the unique Safeco Cashback program, which offers you a small refund if you have an accident-free driving record for six months or longer. You may have heard of this special offer as Safeco's "Single Peril/No Claims Discount Program." Because there are so many other attractive features included within the Safeco plan, it is the best young driver's insurance out there. Carlay rates Safeco a 4.5 out of 5.
Allstate gets 4.5 from Carlay primarily because of their extensive network of agents and repair shops across the country, making it easy to maintain and utilize your insurance coverage. It also has a great mobile app, robust online profile management for policyholders, and consistently competitive rates.
Carlay Insurance says that Travelers is an ideal choice for a customer who wants excellent customer service, fast claim payments, and multiple add-ons that make your life easier. Some extras include roadside assistance, accident forgiveness, rental car reimbursement, new car replacement coverage, and more. The claims process is clear, the rate is low, and Travelers' agents are informative and experienced. Drivers can also get discounts for being safe on the road or good students. Carlay gives Travelers 4.7/5 stars.
Wallet-friendly car insurance is almost guaranteed with State Auto. This insurer offers a wide variety of risk-based coverage options for the whole family. If you're not comfortable with paper filings, you can even submit your claims online. You can also get a rate reduction by bundling multiple policies with the same carriers. Carlay rates State Auto with a 4.1/5 rating, better than the state average.
National General isn't your typical insurance agency in that the company specializes in providing comprehensive auto coverage to high-risk drivers who have been refused or are unable to secure it elsewhere. In fact, the company issues policies in most states. They also have an impressive claims satisfaction guarantee, which waives your deductible up to $250 if you're not happy with your claims experience. In a five-star rating system, Carlay gives National General 4.1 stars.
Dairyland can also deliver lower rates to higher-risk drivers. Dairyland's program is flexible, with payment plans that are convenient for you, updated technology and a 24/7 live claims support center in almost 40 states. There are even special discounts for safe drivers to make driving less expensive! Carlay gave Dairyland a rating of 4.6 out of 5.
Clearcover is a clever new way to manage your auto insurance. Rather than call or email your agent, you can file a claim, pay your bill and even chat—all from the convenience of your phone. With its award-winning mobile app, Clearcover gives you proof of insurance in just a few seconds and covers you anytime, anywhere. Clearcover has earned a rating of 4.1 out of 5 from Carlay.
- How to compare prices to find the most affordable coverage
No two insurance companies have the same formula for calculating premiums. This means that when you compare policies with two different providers, you might end up with two different quotes.
When it comes to insurance, don't count on price alone as the deciding factor. You'll need to examine coverage that meets your needs and will minimize financial risks.
It makes sense to compare rates from three or five different insurance providers to find the best one. If you'd rather do it the hard way, you can head to their websites, fill in the forms, and get your quotes.
But, car insurance sure doesn't have to be complicated. Get Carlay, a licensed broker that offers end-to-end support and the free Carlay app. Just answer a few simple questions, put in your vehicle information and you'll get affordable quotes from A-grade insurers from all over Australia. It really is that easy!
Carlay, a licensed broker, will save you time and money finding you the best car insurance rates from leading companies. Carlay will even cancel your old policy for you. It will keep you up to date with new policy quotes as your policy comes up for renewal, so you'll get the cover you want at the lowest price.
Carlay customers can save an average of $879 a year and get great features for free.
|Rank||Company name||Avg. Annual Premium|
Carlay is the easiest way to find the best price on car insurance. Simply enter your zip code and within minutes you'll be comparing quotes from multiple carriers.
Cost of insuring an Audi
- Cost of insuring with minimum coverage and full coverage
The average annual car insurance premium for an Audi is $2,089 for minimum coverage and $2,891 for full coverage. On average, when you take into account all makes and models, the annual cost of car insurance in the US is $1,783 for a minimum policy and $2,485 to cover every part of your car.
Your Audi insurance rate varies depending on which coverage option you choose. But don't forget: every state has minimum insurance requirements that you must meet. Here is a list of the types of insurance you might need:
|Coverage type||Protection offered|
|Bodily injury liability (per person and per accident)||Pays for the costs associated with the injuries you've caused to others|
|Property damage liability (per accident)||Pays for the costs associated with damage you cause to other people's vehicles or property|
|Uninsured motorist protection (per person and per accident)||Applies when a car accident isn't your fault but the at-fault driver doesn't have liability insurance to pay for your injuries or property damage|
|Underinsured motorist protection (per person and per accident)||Applies when the at-fault driver has liability insurance, but it isn't enough to cover your injuries or property damage|
|Personal injury protection (per person and per accident)||Pays for your own medical expenses after a car accident|
In most situations, it's smart to buy more than the minimum insurance coverage. A simple fender bender can result in thousands of dollars in damage and medical bills. If you are at fault but don't have enough coverage, you will be liable for the costs.
To lease an Audi or finance one through us, you'll need to purchase optional full-coverage insurance. You may want to consider fully-comprehensive coverage if you don't have the funds to replace your car in the event of a total loss.
The phrase full coverage typically refers to a car insurance policy that includes collision insurance and comprehensive insurance. It also includes the state-mandated liability insurance.
|Coverage type||Protection offered|
|Collision||Applies if you get into a collision with someone else's vehicle or an object|
|Comprehensive||Applies when your car is damaged by something other than a collision or rollover, like a weather event or vandalism|
Let's take a look at Carlay's insurance options and how much they cost before and after switching with them.
|All Coverage Before Carlay||All Coverage After Carlay||Minimum Coverage Before Carlay||Minimum Coverage After Carlay||Full Coverage Before Carlay||Full Coverage After Carlay|
|All Coverage Before Carlay||$2,736|
|All Coverage After Carlay||$1,935|
|Minimum Coverage Before Carlay||$2,312|
|Minimum Coverage After Carlay||$1,441|
|Full Coverage Before Carlay||$3,025|
|Full Coverage After Carlay||$2,118|
- Cost of insuring based on age and driving record
Insurance companies look at your age and driving record to help them understand your experience, risk level, and how much you will cost to insure. Young drivers, statistically speaking, are involved in more collisions than older drivers. Hence, they often pay higher insurance rates.
In addition to considering your driving record and financial situation, insurance companies also consider infractions like traffic violations when setting premiums. If a minor speeding ticket or failure to stop on your record might lead to a small increase in your insurance rate, serious offenses like driving under the influence (DUI) and careless driving will have a far more significant impact on your premiums, and remain on your record for many years.
However, there is good news! If you maintain a clean record and drive safely, you're likely to see a drop in your premiums.
Here's how accidents and violations affect Audi insurance rates for different age groups:
- Cost of insuring popular models
The model of Audi you own will significantly impact your insurance rate; different models have different costs to repair or replace.
But whether you drive a minivan or a sports car, Carlay can help you save money on your policy. With Carlay, you can quickly, conveniently and easily compare insurance quotes from top insurers in under 60 seconds. With the Carlay app, getting insurance is only a tap away. According to research, Carlay users save an average of $879 a year on car insurance.
The links below will help you decide what is the most cost effective insurance for your situation.
- Cost of insuring your Audi by year
Most and least expensive years of car
You don't want to get stuck with an exorbitantly high car insurance bill after buying your new ride. Because it depreciates, an older car will generally have a lower insurance premium than a new car.
Edmunds reports that the first year of car ownership loses 23.5% of its value, and 60% within the first five years. And the lower your car's value, the less expensive it is to repair or replace if you have an accident. That's good news for your wallet.
People who lease or finance their new cars are more likely to buy full-coverage insurance than people who own their cars outright. When required to purchase car insurance, it's cheaper to choose a policy with a low deductible than to pay for the maximum amount of coverage.
According to Carlay's internal data, the two cheapest years for Audi cars are 1997 and 1990. Audi had its most expensive two years in 2015 and 2014.
|Year||Average Cost||Annual Savings with Carlay|
Older Audis tend to be less expensive to repair or replace than newer ones and are also less likely to be leased or financed, meaning they usually have much lower car insurance rates.
- Cost of insuring a Audi in your city
Where you live plays a big role in your insurance rates, because different states and cities have different accident and crime rates. Premiums for Audis can vary widely between major cities in the same state.
In addition to the cost of damages, the rates you pay will depend on how likely it is that the insurer will have to pay claims. Some cities have higher theft or accident rates than others, which increases their risk and therefore your insurance premium.
We've crunched the numbers and have a list of the most affordable car insurance rates for Audi in Carlay. The cities with the lowest rates are Saint Marys (GA) and Layton (UT). For residents of Middletown, NY, and Pooler, GA, car insurance for Audi cars is the most expensive.
|City||Average Cost||Annual Savings with Carlay|
|Jurupa Valley||$3,300||$444||Compare Prices|
|Los Angeles||$4,321||$2,246||Compare Prices|
|Sugar Land||$6,840||$3,765||Compare Prices|
|Valley Village||$8,400||$6,019||Compare Prices|
As a resident of an area with high rates of theft, collisions, or severe weather events, expect to pay more for your car insurance.