Audi TT Insurance Rates

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UPDATED: May 9, 2024

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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.

Average insurance rates for an Audi TT are $1,652 a year for full coverage insurance. Comprehensive insurance costs an estimated $382 each year, collision costs $714, and liability is $398. Buying just liability costs around $460 a year, with insurance for high-risk drivers costing $3,584 or more. Teenage drivers receive the highest rates at $6,002 a year or more.

Average premium for full coverage: $1,652

Rate estimates broken down by individual coverage type:

Comprehensive $382
Collision $714
Liability $398

Rates are based on $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and TT models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $460 for your basic liability-only policy to a high rate of $3,584 for coverage for higher-risk drivers.

Liability Only $460
Full Coverage $1,652
High Risk $3,584

Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

Rural Areas $1,239
Small Cities $1,735
Large Cities $2,230

These examples illustrate why all drivers should compare rates quotes for a targeted area and risk profile, instead of making a decision based on average rates.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Information

The chart below illustrates estimated Audi TT insurance rates for other coverage scenarios.

  • The best discount rate is $931
  • Raising to $1,000 deductibles will save approximately $248 each year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,652
  • Using low deductibles will cost an extra $486 annually
  • Drivers who are prone to accidents and violations could pay up to $3,584 or more
  • The cost for full coverage for a 16-year-old driver can cost as much as $6,002

View Chart as Image

Audi TT insurance cost comparison chart
Column chart showing full coverage Audi TT insurance prices range from $931 to $6,002

Auto insurance rates for an Audi TT can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles may pay as low as $1,500 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay at least $6,000 a year. View Rates by Age

Where you live also has a big influence on Audi TT insurance prices. A middle-age driver might find rates as low as $1,080 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $2,230 on average in Florida, New York, and Michigan.

Audi TT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,496 -$156 -9.4%
Alaska $1,268 -$384 -23.2%
Arizona $1,372 -$280 -16.9%
Arkansas $1,652 -$0 0.0%
California $1,884 $232 14.0%
Colorado $1,578 -$74 -4.5%
Connecticut $1,700 $48 2.9%
Delaware $1,870 $218 13.2%
Florida $2,070 $418 25.3%
Georgia $1,526 -$126 -7.6%
Hawaii $1,188 -$464 -28.1%
Idaho $1,118 -$534 -32.3%
Illinois $1,232 -$420 -25.4%
Indiana $1,246 -$406 -24.6%
Iowa $1,116 -$536 -32.4%
Kansas $1,570 -$82 -5.0%
Kentucky $2,256 $604 36.6%
Louisiana $2,448 $796 48.2%
Maine $1,022 -$630 -38.1%
Maryland $1,364 -$288 -17.4%
Massachusetts $1,324 -$328 -19.9%
Michigan $2,874 $1,222 74.0%
Minnesota $1,384 -$268 -16.2%
Mississippi $1,982 $330 20.0%
Missouri $1,466 -$186 -11.3%
Montana $1,776 $124 7.5%
Nebraska $1,304 -$348 -21.1%
Nevada $1,984 $332 20.1%
New Hampshire $1,194 -$458 -27.7%
New Jersey $1,848 $196 11.9%
New Mexico $1,466 -$186 -11.3%
New York $1,742 $90 5.4%
North Carolina $954 -$698 -42.3%
North Dakota $1,354 -$298 -18.0%
Ohio $1,144 -$508 -30.8%
Oklahoma $1,700 $48 2.9%
Oregon $1,516 -$136 -8.2%
Pennsylvania $1,578 -$74 -4.5%
Rhode Island $2,208 $556 33.7%
South Carolina $1,500 -$152 -9.2%
South Dakota $1,396 -$256 -15.5%
Tennessee $1,448 -$204 -12.3%
Texas $1,994 $342 20.7%
Utah $1,224 -$428 -25.9%
Vermont $1,130 -$522 -31.6%
Virginia $988 -$664 -40.2%
Washington $1,278 -$374 -22.6%
West Virginia $1,516 -$136 -8.2%
Wisconsin $1,144 -$508 -30.8%
Wyoming $1,472 -$180 -10.9%

View Chart as Image

Audi TT insurance rates by U.S. city

Using high physical damage deductibles can reduce rates by up to $740 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $2,000 to $2,700 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 45% to 135% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different method to calculate rates, and quoted rates can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Audi TT Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi TT 2.0T Quattro 2-Dr Coupe $1,556 $130
Audi TT 2.0T Quattro 2-Dr Coupe $1,556 $130
Audi TT 2.0T Quattro 2-Dr Coupe $1,598 $133
Audi TT S 2.0T Quattro 2-Dr Coupe $1,640 $137
Audi TT 2.0T Quattro 2-Dr Roadster $1,652 $138
Audi TT 2.0T Quattro 2-Dr Roadster $1,652 $138
Audi TT S 2.0T Quattro 2-Dr Coupe $1,682 $140
Audi TT 2.0T Quattro 2-Dr Roadster $1,724 $144
Audi TT S 2.0T Quattro 2-Dr Roadster $1,724 $144
Audi TT S 2.0T Quattro 2-Dr Roadster $1,796 $150

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.

Audi TT Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2023 Audi TT $382 $714 $398 $1,652
2022 Audi TT $368 $698 $416 $1,640
2021 Audi TT $356 $668 $430 $1,612
2020 Audi TT $336 $646 $442 $1,582
2019 Audi TT $324 $598 $452 $1,532
2018 Audi TT $310 $564 $456 $1,488
2017 Audi TT $298 $506 $460 $1,422
2016 Audi TT $278 $466 $460 $1,362
2015 Audi TT $268 $436 $464 $1,326
2014 Audi TT $262 $406 $474 $1,300
2013 Audi TT $242 $378 $474 $1,252
2012 Audi TT $236 $342 $478 $1,214
2011 Audi TT $220 $314 $474 $1,166
2010 Audi TT $208 $284 $474 $1,124
2009 Audi TT $200 $256 $468 $1,082

Rates are averaged for all Audi TT models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Audi TT Insurance

Saving money on insurance for an Audi TT consists of being safe and accident-free, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop at least once a year by obtaining price quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a quick review of the primary concepts that were touched on in the above illustrations.

  • It is possible to save approximately $210 per year simply by quoting online in advance
  • Drivers considered higher risk with a DUI or reckless driving violation pay on average $1,930 more annually than a low-risk driver
  • Increasing deductibles can save around $725 each year
  • Youthful drivers are the costliest to insure, costing up to $500 per month if they have full coverage

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.

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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:

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.

Rates by Driver Age

Audi TT Insurance Rates by Driver Age
Driver Age Premium
16 $6,002
20 $3,820
30 $1,740
40 $1,652
50 $1,508
60 $1,478

Full coverage, $500 deductibles

Rates by Deductible

Audi TT Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,138
$250 $1,912
$500 $1,652
$1,000 $1,404

Full coverage, driver age 40

Rates by Liability Limit

Audi TT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,652
50/100 $1,876
100/300 $1,975
250/500 $2,234
100 CSL $1,915
300 CSL $2,134
500 CSL $2,294

Full coverage, driver age 40

Rates for High Risk Drivers

Audi TT Insurance Rates for High Risk Drivers
Age Premium
16 $8,608
20 $6,078
30 $3,680
40 $3,584
50 $3,418
60 $3,390

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $233

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $90
Multi-vehicle $86
Homeowner $23
5-yr Accident Free $128
5-yr Claim Free $108
Paid in Full/EFT $81
Advance Quote $85
Online Quote $120
Total Discounts $721
Rate after discounts $931

Discounts are estimated and may not be available from every company or in every state.

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