The Best Auto Insurance for Audi

State Farm is the largest auto insurance provider in the country for a reason.² The company offers competitive rates throughout the U.S. and its long list of coverage features, discounts, and bundling options make it one of the most well-rounded providers. On top of that, you have the comfort of knowing you’re backed by one of the oldest and most reliable insurance providers in the nation. But for Audis, specifically, State Farm offers the lowest average annual price on this list: only $2,204, while some providers, like Allstate, go all the way up to an average of $5,072.

Great Discounts

The average insurance rate for one of Audi’s most popular luxury models, the A5, is around $2,872 annually. That’s a significant jump (nearly $600) from State Farm’s national average of $2,204. One way to bring that cost down is to take advantage of State Farm’s long list of discounts, including the following:

• Using the Drive Safe & Save app (up to 30 percent off)
• Having an accident-free record
• Taking a defensive driving course
• Installing an anti-theft system
• Driving a 1993 or newer vehicle or older with factory-installed airbags (up to 40 percent off medical-related coverage)
• Insuring multiple vehicles
• Bundling homeowners, renters, condo, or life insurance
• Being a student with a 3.0 GPA or higher

New Driver and Young Adult Safety Program

If you’re a new driver or under the age of 25, you can take advantage of State Farm’s Steer Clear Program, which is a safety program that teaches you or your kids how to become a better driver. In addition to the valuable lessons you learn in the program, you’ll earn a discount (savings vary by state) by completing the course. To be eligible for Steer Clear, you need to meet the following requirements:

1. Be under 25 years old
2. Have a valid driver’s license
3. Be free of any at-fault accidents or moving violations in the past three years
4. Successfully complete the program

Steer Clear works by offering safety-driving courses that encourage new and young drivers to be more responsible and thoughtful on the road. The program tracks your driving through the Steer Clear app and requires you to complete a set of modules/practice drives to receive your certificate. Upon completion, you can earn a discount, although the percentage will vary by state.

Insurance rates are already more expensive for new and young drivers, so be sure to speak to a State Farm agent to learn about how you can save more on your Audi car insurance.

Drive Safe & Save

You can earn big savings by driving less and driving more safely with State Farm’s Drive Safe & Save program. State Farm’s low-mileage discount comes in tiers, but generally, the less you drive, the more you save. For example, you’ll save the most if you drive fewer than 7,500 miles or between 7,500 and 10,000 miles a year, but you could still save by driving 10,000 to 15,000 miles a year.

State Farm tracks your driving with the Drive Safe & Save app. It records basic driving habits like your speed, how hard you brake, and the time of day you’re driving, and occasionally prompts you to input your odometer reading. You can earn up to 30 percent off your car insurance with the program. Drive Safe & Save will only increase your premiums if you have a low mileage discount on your policy and end up logging more miles than anticipated.

If you need to bundle your Audi auto insurance with your home or renters insurance, or another type of policy, Allstate has you covered. Bundling is a great way to bring down the cost of insurance on your Audi.

Bundling

With Allstate, you can bundle your Audi insurance with different types of insurance policies:

• Business
• Condo
• Home
• Life
• Motorcycle
• Motorhome
• Off-road vehicle
• Renters
• RV
• Snowmobile

If you’re a homeowner and want to save on insurance for your Audi, consider Allstate’s bundling plan. At up to 25 percent off, Allstate has the largest home and car bundling option. You can still earn savings by bundling your car insurance with condo or renters insurance, but the amount you save varies by location.

Another great benefit of bundling is convenience. Rather than having to manage your different policies from different providers, you can review your policy and adjust your plans from the same place.

Broad Coverage Options

Allstate has an extensive list of coverage options to keep you and your Audi protected. Of course, you can get fully covered through a standard liability policy, uninsured/underinsured motorist protection, and collision and comprehensive coverage. Beyond those basic options, however, Allstate offers several add-ons that you can mix and match to meet your specific needs.

Additional coverage options include the following:

• Accident forgiveness, which ensures your insurance rates won’t go up after your first at-fault accident
• New car replacement for the first two years of owning a new vehicle
• Custom equipment coverage, which pays to replace or repair any custom parts or equipment you add to your Audi
• Personal umbrella coverage, which we look at below
• Rideshare insurance for drivers who drive for companies like Uber and Lyft
• Rental car reimbursement if your Audi is in the shop and you need a rental

Personal Umbrella Coverage

Personal umbrella coverage can be invaluable if you find yourself liable for a claim that your insurance can’t cover on its own. If you’ve gotten into an accident or are involved in a lawsuit and the payments exceed your insurance limits, your umbrella insurance will kick in to cover the rest of the claim.

It’s important to note that umbrella insurance protects you from injuries or damages that you cause to another person or their possessions. However, if your insurance can’t cover the claim on its own, you might have to use your own assets in order to pay off a lawsuit or the amount owed.

Umbrella insurance is especially important in the following situations:

• You’re bundling your Audi with multiple policies and want to extend that coverage across all of your policies.
• You’ve made serious investments in your Audi with custom parts, racing stripes, or an expensive interior.
• You have a large family and want to extend coverage to all of your family members, including your kids, for extra protection.
• You believe you’re at a higher risk of being sued.
• If your teenager is driving your Audi regularly.
• If you live in an area with a high rate of accidents, umbrella insurance might make sense for you.
• You simply want the added protection.

Accidents and lawsuits are nearly impossible to predict, and sometimes having peace of mind is enough of a reason to get umbrella insurance.

Audi car insurance is already expensive, but if you have a history of violations, DUIs, or at-fault accidents, you will pay even more. Some providers may not even insure you if you need an SR-22, have bad credit, or have a poor driving record. If you’re unsure of whether you’ll be eligible for insurance for your Audi, consider Direct Auto.

Insurance for High-Risk Drivers

If you’re unsure whether you’re a high-risk driver, take a look at the following list of things insurers will look for in high-risk drivers:

• Drivers who need SR-22s
• New and young drivers
• Older drivers
• Drivers with histories of at-fault accidents
• Drivers with histories of violations
• Drivers with low credit scores

It might be more difficult for you to find coverage if you need an SR-22 or have a driving record filled with DUIs or at-fault accidents. This is where Direct Auto shines.

Direct Auto specializes in providing insurance for high-risk drivers who may have a hard time getting insured elsewhere. Not only will Direct Auto accept you if you’re a high-risk driver, but it will help bring your costs down and help improve your driving habits through a number of safe-driver programs, including the DynamicDrive app. Note that National General offers the exact same program, as Allstate owns both companies.

Multiple Ways to Save

Although Direct Auto may accept you as a high-risk driver, you will have to pay significantly more than the average driver for your Audi insurance. One way to bring those costs down is to take advantage of Direct Auto’s long list of discounts:

DynamicDrive Program

If you have a history of at-fault accidents, traffic violations, or DUIs, enrolling in a safety driver program is a good way to stay accountable and save money at the same time. DynamicDrive is Direct Auto’s safety driver program that tracks your driving habits and behaviors. You can save up to 10 percent just by signing up, and you’ll be eligible for more savings if you exhibit safe driving habits.

DynamicDrive works by tracking your speed, braking, when you drive, and distracted driving. You can opt out of the program within the first 30 days of signing up. Keep in mind that if you demonstrate poor driving habits, your insurance rates might actually increase, so sign up with caution.

USAA is the best car insurance provider for active military members, veterans, or military families. USAA offers affordable rates, excellent customer service, great coverage for luxury cars, and a long list of benefits, making it a great provider for your Audi.

Affordability

With an average annual cost of $2,668 for full coverage, USAA is the second-cheapest auto insurance provider for Audis following State Farm. If you can qualify to become a member, you’ll find some of the most competitive rates for your Audi at USAA. Part of what makes USAA so affordable is the many discount opportunities it offers:

• Up to 30 percent off with the USAA safe driver program
• Up to a 10 percent for bundling policies
• Discount for vehicles under three years old
• Up to 60 percent off for storing your vehicle
• Up to 15 percent off on comprehensive coverage if you’re garaging your car on a military base
• Good student discount
• 10 percent off for military family members
• Anti-theft device discount

Classic Car Coverage

If you have a vintage, classic, or restored Audi, you’ll want to get extra protection in the form of classic car insurance. Normally, car insurance takes into account the mileage on your vehicle, depreciation, and age when estimating a premium. For classic and vintage cars, however, those rules don’t apply. If they’re maintained well, some classic cars can actually increase in value over time.

USAA has a 30-year partnership with American Collectors Insurance, an industry leader in classic car and collectible car insurance, and we named it one of the best insurers for classic cars. Its partnership ensures you have a reliable and dedicated team of professionals to provide you great service and accurate estimations for your classic or custom Audi. USAA’s classic car insurance works by doing the following:

• Estimating your premium based on an agreed value for your vehicle: Agreed-value coverage is an alternative way to measure classic car insurance rates based on the novelty of the vehicle, condition, age, and other features.
• Determining your rates based on how much you drive: If you own a vintage or classic Audi, you probably aren’t driving it to work every day. If you are putting a lot of miles on your Audi, the chances of it getting damaged or suffering from wear and tear will increase, and so will your premium.
• Providing you with automatic coverage for additional vehicles: Want to add more classic cars to your collection? Most qualifying cars you add to your collection will automatically be covered for $100,000 for 30 days, free of charge. After 30 days, you’ll have to add them to your policy.

Car Maintenance Perks

Aside from insurance, USAA offers more perks that you can take advantage of for your Audi, including:

• New tires: USAA’s partnership with Goodyear means that you can get 25 percent off new tires for your Audi.
• Free repair advice: While you can use RepairPal to find repair shops online, you can also call the company’s outline for free advice.
• Maintenance discount: Last but not least, you can save up to 40 percent on maintenance costs through CarAdvise.

Even if you don’t have a history of moving violations, at-fault accidents, or poor credit, insurance rates can be expensive after a DUI. In some cases, insurance providers may not even offer you coverage if you’ve had one DUI. National General claims to not only offer insurance for first-time DUI drivers, but it’ll help you reduce costs through its safety driver courses and ensure you’re covered at an affordable rate.

First-Time DUI Drivers

Insurance providers can increase your premium or cancel your car insurance if you’ve had a DUI. However, National General will provide insurance if you have a first-time DUI offense on your record. If you’ve completed a safe driver course and substance therapy program following your offense, National General will provide you with coverage after your first offense. Also, you don’t have to worry about filing an SR-22 after your DUI, as National General will handle this for you.

Lifetime Guaranteed Repairs

There’s nothing worse than getting your Audi repaired, only to experience the same issue again (and have to pay for it again). But that’s never going to be the case with collision claims from National General. If you go to its network of repair shops, which it calls “Gold Medal” repair shops, your repairs are guaranteed for a lifetime.

Solid Bundling Options

National General offers several ways to save on car insurance by bundling your Audi policy with other policies. When you bundle your RV and Audi insurance, for example, you can save up to 20 percent on your premiums. And if you’re ever in an accident involving both your Audi and RV, you’ll be responsible for only one deductible, not two. (Learn more about why we named National General one of the best insurers for RVs).

With National General, you can bundle the following insurance types:

• Condo
• Commercial auto
• Flood
• Health
• Homeowners
• Motorcycle
• Private collections
• Renters
• RV
• Umbrella