Audi TT Insurance Rates

If you ever found yourself shopping for insurance on an Audi TT, you’re not alone. The stylish Audi TT has long attracted drivers from various backgrounds and age groups, both of which play a part in how much you pay for car insurance. For example, Audi TT insurance for a 20-year-old differs from the Audi TT insurance rates a more experienced driver might pay. 

Take advantage of this comprehensive article that details exactly how Audi TT insurance costs are determined. By the time you’ve read through it, you will have a much better idea of what your individualized rates might look like. You can even start comparing Audi TT insurance quotes right now by using our free online tool.

The average insurance rates for an Audi TT are $1,652 a year including full coverage. Comprehensive insurance costs on average $382 a year, collision costs $714, and liability is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing $3,584 or more. Teenage drivers cost the most to insure at $6,002 a year or more.

Average premium for full coverage: $1,652

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and TT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

The examples above highlight why it is important to compare rates quotes based on a specific location and risk profile, instead of making a decision based on average rates.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Audi TT insurance rates for different risk profiles and scenarios.

• The best discount rate is $931
• Raising to $1,000 deductibles will save around $1,404 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,652
• Using low $100 deductibles will cost an extra $486 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,584 or more
• Policy cost for full coverage for a 16-year-old driver may cost $6,002

View Chart as Image

Insurance rates for an Audi TT also range considerably based on your risk profile, the model of your TT, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay upwards of $6,000 a year. View Rates by Age

Your home state also has a big influence on Audi TT insurance prices. A middle-age driver might find rates as low as $1,270 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,360 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $740 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $2,000 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 45% to 135% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Cheapest Audi TT Insurance

Finding cheaper rates on insurance for an Audi TT consists of being a good driver, having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around at every other renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the concepts that were illustrated above.

• Drivers considered higher risk that have major violations or accidents may pay on average $1,930 more each year than a safer driver
• Drivers age 16 to 20 pay higher rates, with premiums being up to $500 each month including comprehensive and collision insurance
• You may be able to save as much as $210 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $725 each year
• You may be able to save as much as $210 per year simply by quoting early and online

As you can see from the information we’ve gone over to this point, there are several determining factors that influence a driver’s individual Audi TT insurance rates. The best way to find out what you might pay is by taking advantage of our free online tool below.

What are the safety ratings of the Audi TT?

Insurance can vary depending upon the Audi TT safety ratings and features of the model you drive.

Since the Audi TT has not been officially tested by the National Highway Traffic Safety Administration (NHTSA), take a look at the following safety features that come standard for this model.

• Electronic Stability Control (ESC)
• ABS And Driveline Traction Control
• Side Impact Beams
• Dual Stage Driver And Passenger Seat-Mounted Side Airbags
• Audi parking system plus Front And Rear Parking Sensors
• Low Tire Pressure Warning
• Dual Stage Driver And Passenger Front Airbags
• Curtain 1st Row Airbags
• Airbag Occupancy Sensor
• Driver And Passenger Knee Airbag
• Outboard Front Lap And Shoulder Safety Belts
• Back-Up Camera

All of these Audi TT safety features go a long way to help reduce the overall cost of insurance for an Audi TT, so be confident as you begin shopping for a policy.

Audi TT Compared Against Other Vehicles in the Same Class

Officially, the Audi TT is classified as a small two-door luxury sports car by the Insurance Institute for Highway Safety (IIHS). Other similar models include the following:

• Mercedes-Benz SLC Class
• Porsche Boxster
• Porsche Cayman

When providing you with a quote, insurance companies will consider the loss percentages of the Audi TT as it compares to other similar models in this class. 

The good news is that the Audi TT reflects a property damage liability loss percentage of -37 percent, which is one of the best in its class.

Now that we have gone into great detail about how Audi TT insurance rates are calculated, is there anything we might have missed? If not, start comparing Audi TT quotes from multiple companies by taking advantage of our free online tool.