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 prices for an Audi TT are $1,652 every 12 months including full coverage. Comprehensive costs around $382 a year, collision costs $714, and liability insurance is $398. Liability-only coverage costs around $460 a year, with high-risk coverage costing around $3,584. 16-year-old drivers cost the most to insure at $6,002 a year or more.

Average premium for full coverage: $1,652

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist 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 has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than relying on rate averages.

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

More Rate Information

The chart below breaks down estimated Audi TT insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $931
• Raising to $1,000 deductibles will save about $1,404 every year
• The average price for a good driver age 40 using $500 deductibles is $1,652
• Buying low $100 deductibles increases the price to $2,138
• Higher-risk drivers with multiple tickets or accidents could pay at least $3,584 or more
• Policy cost to insure a teen driver can be $6,002

View Chart as Image

Insurance rates for an Audi TT also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

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

Older drivers with no violations or accidents and higher deductibles could pay as little as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay as much as $6,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $2,000 to $2,700 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 45% to 135% more than the average rate. View High Risk Driver Rates

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

View Chart as Image

Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates will be varied.

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 Shop for Cheap Audi TT Insurance

Finding cheaper rates on Audi TT insurance consists of avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest time comparing rates at least every other year by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The list below is a brief summary of the car insurance concepts covered in the charts and tables above.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,930 more every year for car insurance
• You may be able to save up to $210 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $725 each year
• Drivers who may need higher liability limits will pay around $440 per year to raise from a 30/60 limit to a 250/500 level

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.