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.

U.S. average auto insurance rates for an Audi TT are $1,640 annually for full coverage. Comprehensive insurance costs on average $368 each year, collision costs $698, and liability insurance is $416. Liability-only insurance costs around $474 a year, with high-risk driver insurance costing $3,560 or more. 16-year-old drivers pay the highest rates at $6,000 a year or more.

Average premium for full coverage: $1,640

Price estimates by individual coverage:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and TT models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have fewer accident claims than congested cities.

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

The ranges above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $925
• Raising to $1,000 deductibles will save around $242 a year
• The estimated rate for the average middle-age driver with $500 deductibles is $1,640
• Buying low deductibles costs an additional $472 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $3,560 or more
• The price with full coverage for a teen driver may cost $6,000

View Chart as Image

Car insurance prices for an Audi TT are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,500 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged upwards of $6,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,900 to $2,600 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 129% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can reduce prices by up to $720 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Audi TT insurance rates. A middle-age driver might find prices as low as $1,080 a year in states like Idaho, Maine, and Iowa, or at least $2,340 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so rate quotes may be quite different between companies.

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 Buy More Affordable Audi TT Insurance

Getting lower rates on Audi TT insurance consists of avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to shop around at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The list below is a summary of the primary concepts that were illustrated above.

• Drivers can save as much as $200 per year simply by quoting online in advance
• High-risk drivers who have multiple accidents or major violations may be required to pay an average of $1,920 more each year for car insurance
• Increasing physical damage deductibles could save up to $725 each year
• Teenagers are expensive to insure, with premiums as much as $500 a month if comprehensive and collision insurance is included

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.