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 costs approximately $368 each year, collision costs $698, and liability is $416. Buying just liability costs around $474 a year, with insurance for high-risk drivers costing around $3,560. Teen drivers pay the highest rates at $6,000 a year or more.

Average premium for full coverage: $1,640

Price estimates by individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. 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 can make a big difference on car insurance rates. Rural locations have fewer accident claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance prices.

The ranges above show why all drivers should compare rates quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below shows estimated Audi TT insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $925
• Raising to $1,000 deductibles will save $242 a year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,640
• Choosing low deductibles will cost $2,112
• Drivers with multiple violations and an at-fault accident could pay around $3,560 or more
• The price with full coverage for a 16-year-old driver can cost $6,000

View Chart as Image

Insurance prices for an Audi TT are also quite variable based on the trim level and model year, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low 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 should be prepared to pay in the ballpark 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 anywhere from $1,900 to $2,600 additional each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than average. View High Risk Driver Rates

Choosing high deductibles can reduce prices by up to $720 annually, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $375 more each year. View Rates by Deductible or Liability Limit

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

View Chart as Image

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, and prices 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 the Best Audi TT Insurance

Getting lower rates on insurance for an Audi TT consists of having a decent driving record, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates every time your policy renews by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief recap of the information covered in the above illustrations.

• Drivers can save around $200 per year simply by quoting online in advance
• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $500 a month if they have full coverage
• Increasing physical damage deductibles could save up to $725 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $1,920 more per year than a driver with a clean driving record
• Insureds who purchase additional liability coverage will pay about $460 each year to raise from a low limit to higher 250/500 limits

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.