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audi insurance quote.
Get your free
audi insurance quote.
Get free & accurate quotes from Canada’s top insurance providers and find the cheapest car insurance rate for your vehicle.
Get free & accurate quotes from Canada’s top insurance providers and find the cheapest car insurance rate for your vehicle.
Comparing rates from Canada's leading Insurance Providers
Car Insurance Facts for Luxury Cars

Auto insurance for high-end, or luxury cars,  is generally more expensive than standard car insurance. The sticker price of the vehicle will impact your insurance rates - they say, on average, it’s about 20% higher to insure a luxury car.

It’s no secret that expensive cars are more costly to replace, repair and maintain. Import cars are more complex to fix and certain models are only manufactured in limited numbers, which can also increase the price of parts. High-value cars are also commonly targeted for theft, which also increases the rate you pay.

If you own a car worth over $100K, you should have luxury car insurance to protect your investment and Surex can help with that. You don’t want to have a standard auto insurance policy. Talk to an advisor today to get your set up and ready to hit the road!

FAQ’s about Audi car insurance

Audi is a German automotive manufacturer of luxury vehicles. Its headquarters are based in Germany and since 1966, Audi has been a subsidiary of the Volkswagen Group (VW). Volkswagen rebranded the vehicles, launching them back into the market that same year of purchase. The four rings in the logo represent the four companies that merged in 1932 to form the original company, Auto Union.

Audi is a popular car brand because they have many different types of models for different types of drivers. Audi vehicles are known for their high-level performance and reliability. But, remember as a luxury manufacturer, their vehicles are expensive to buy, repair and insure. But that’s where Surex comes in. We can help you find the right insurance for your car!

Audi’s are more expensive to insure than non-luxury car brands, but more affordable when compared to other high-end brands. It can cost between $1,100 to $1,500 per year for insurance.

It’s hard to put an exact number of what you will pay for your insurance.  It largely depends on the type of vehicle you drive. Insurance providers look at the year and the model you choose to buy, your driving history, the number of kilometers you drive each year, and where you live.

It’s important to keep up with the regular maintenance of your car to keep it running smoothly. The average annual repair cost for an Audi is $987, much higher than the average across all brands which is $652. Over a 10-year period, the average Audi maintenance costs are roughly $12,400. But, when compared to other luxury vehicles like BMW and Mercedes-Benz, Audi’s repair and maintenance costs are average.

Here are some of the key factors that can affect your rates:

  • Insurance requirements: If you own a high-end vehicle, especially over 100K, you need luxury car insurance. It is a much stronger policy than your standard car insurance policy. Most Audi drivers add comprehensive and increased coverage limits - both of which will slightly increase your insurance.
  • Repair costs: It is common knowledge that repairs and maintenance for Audi cars can be expensive. They can be more complex to fix and some parts may need to be imported. Higher repair costs will increase your costs.
  • Safety and security: All luxury vehicles are at a higher risk of theft. They are commonly targeted, which can make your insurance rate higher. Audi cars have a strong safety rating and good anti-theft systems, which can help lower costs. They’re also equipped with a long list of safety features and all models can have additional features added at purchase.

 

Yes, this is generally true. Usually, SUVs, crossovers, and 4-door sedans score the lowest risk due to their appeal to family-orientated owners, whereas the high-performance models, or true sports cars, are made for style and power output, attracting a different kind of clientele and thought to invite more aggressive driving habits, thus high-risk ratings or more expensive premiums.

Sticker value has an impact on the rates. Due to the lower costs of these models, the A-class sedans and Q-class SUVs can relatively cost the least in insurance. The lower price tag, strong safety ratings, and more affordable repair costs all contribute to the potential lower rate.

For a sports car, the Audi TT can be the cheapest sports car to insure.

There are many things you can do to help lower your insurance rate. For example, you can bundle your home + auto insurance to help save some money.  Talk to a Surex advisor to see how you can save today!

Here are some more tips to help you save:

  • Shop Around: The most effective way to save is to compare your insurance options. That is one thing that Surex always automatically does to make sure you get the best rate possible.
  • Stay claims, accident, and ticket-free. Of course, it’s always important to drive safely, but by having a clean driving record you can usually qualify for discounts to help keep your premiums down.
  • Bundle your services: By combining your home or tenant insurance with your auto insurance policy, with the same provider, you can take advantage of the discounts offered to help save you money.

 

Audi has had a checkered past but has recently held consistency in their high standard of safety ratings, which was lacking in previous years.

With the safety ratings on the rise,  the insurance is finally on a downward track - much to the relief of Audi drivers - but it will still be higher than your standard car. All Audi models are equipped with the most safety features expected in a luxury car with the option to add more.

That is a tough question as your insurance is determined by a number of factors. The make and model of your vehicle, your age, your driving history etc… it all impacts your rate.

There is no way to determine if Audi insurance is cheaper than car insurance for a BMW. You can expect to pay anywhere around $1,000 to $2,000+ for an Audi, depending on what model you have. The Audi R8 is one of the most expensive cars to insure.

Although it is rumoured that BMW insurance can be higher compared to Audi. It is best to go through an advisor to see what coverage is best suited for your car and individual situation.

Since auto insurance is government-standardized, there is really no difference in coverage between regular to high-end cars. There are limited carriers who will write them though. Not many will write vehicles over 150K  and others won’t go over 100K. 

Carriers that do work with high-end cars require higher deductibles, higher limits on rental car coverage, and roadside assistance coverage. For a 100K+ car, the collision and comprehensive deductible required are normally between $2,500 - $5,000.

So, like everything else you get with a luxury car from sticker price to maintenance, expect your insurance to also be more expensive. Our advisors can help assist you with setting up your coverage. Go online today!

Lowest Quotes for these Audi Vehicles *
* These sample quotes are based on a 45-year-old female driver, with a clean driving history, has driving school certification and has always had insurance while licensed (over 15 years). Rates based on Q3 2023 data.

Model

Location

Postal Code

LOWEST RATE (monthly)

CARRIER

2020 AUDI A3 KOMFORT 40 4DR

Ontario

L7R 3N2

$132

Image
CAA

2020 AUDI A3 KOMFORT 40 4DR

Alberta

T5T 4J2

$294

Image
Intact

2020 AUDI A3 KOMFORT 40 4DR

NOVA SCOTIA

B2H 2J6

$124

Image
My Drive

** Intact

2020 AUDI A6 ALLROAD PROGRESS

Ontario

L7R 3N2

$147

Image
CAA

2020 AUDI A6 ALLROAD PROGRESS

Alberta

T5T 4J2

$380

Image
Intact

2020 AUDI A6 ALLROAD PROGRESS

NOVA SCOTIA

B2H 2J6

$139

Image
My Drive

** Intact

2020 AUDI Q3 KOMFORT 4DR

Ontario

L7R 3N2

$128

Image
CAA

2020 AUDI Q3 KOMFORT 4DR

Alberta

T5T 4J2

$288

Image
Intact

2020 AUDI Q3 KOMFORT 4DR

NOVA SCOTIA

B2H 2J6

$123

Image
My Drive

** Intact

2020 AUDI S3 PROGRESSIV QUATTRO 4DR

Ontario

L7R 3N2

$155

Image
CAA

2020 AUDI S3 PROGRESSIV QUATTRO 4DR

Alberta

T5T 4J2

$361

Image
Intact

2020 AUDI S3 PROGRESSIV QUATTRO 4DR

NOVA SCOTIA

B2H 2J6

$154

Image
My Drive

** Intact

2020 AUDI TT 45 QUATTRO 2DR

Ontario

L7R 3N2

$128

Image
Aviva

2020 AUDI TT 45 QUATTRO 2DR

Alberta

T5T 4J2

$489

Image
Intact

2020 AUDI TT 45 QUATTRO 2DR

NOVA SCOTIA

B2H 2J6

$175

Image
My Drive

** Intact

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