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 auto insurance rates for an Audi TT are $1,652 annually with full coverage. Comprehensive insurance costs approximately $382 a year, collision costs $714, and liability costs around $398. Liability-only insurance costs as low as $460 a year, with high-risk driver insurance costing $3,584 or more. Teenage drivers cost the most to insure at $6,002 a year or more.

Average premium for full coverage: $1,652

Policy rates by type of insurance:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and TT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why it is important to compare prices using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Details

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

• The best discount rate is $931
• Using higher $1,000 deductibles will save $1,404 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,652
• Using low $100 deductibles for physical damage coverage costs an additional $486 every year
• Drivers who are prone to accidents and violations could pay around $3,584 or more
• Policy cost with full coverage for a teen driver can cost $6,002 or more

View Chart as Image

Auto insurance rates for an Audi TT also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles may pay as little as $1,500 a year, or $125 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $6,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $2,000 to $2,700 in extra premium every year, depending on your age. A high-risk auto insurance policy can be as much as 45% to 135% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $740 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi TT insurance prices. A driver around age 40 might see rates as low as $1,190 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $2,230 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to get quotes and see which company has the best rate. Each insurance company uses a different method to calculate rates, and quoted rates will be varied 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 Cheap Audi TT Insurance

Finding cheaper rates on car insurance requires being a good driver, having above-average credit, not filing small claims, and not having any coverage lapses. Set aside time to compare rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief summary of the data that was covered above.

• You may be able to save around $210 per year simply by quoting early and online
• Policyholders who purchase an increased level of liability coverage will pay an extra $440 every year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 have the highest car insurance rates, as much as $500 each month if full coverage is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,930 more per year than a safer driver

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.