Audi TT Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Dec 13, 2019

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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.

Average insurance rates for an Audi TT are $1,532 a year including full coverage. Comprehensive insurance costs approximately $324 each year, collision insurance costs $598, and liability costs $452. A policy with just liability insurance costs as little as $504 a year, and coverage for high-risk drivers costs $3,326 or more. Teens receive the highest rates at up to $5,710 a year.

Average premium for full coverage: $1,532

Rate estimates by individual coverage type:

Comprehensive $324
Collision $598
Liability $452

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and TT models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from the low end price of $504 for just the minimum liability insurance to a high rate of $3,326 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,532
High Risk $3,326

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,149
Small Cities $1,609
Large Cities $2,068

These examples highlight why all drivers should compare rates using their specific location, instead of making a decision based on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below breaks down average Audi TT insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $873
  • Drivers who choose higher $1,000 deductibles will pay $210 every year
  • The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,532
  • Selecting low deductibles for comprehensive and collision insurance will cost an additional $408 annually
  • Drivers with serious driving violations could pay around $3,326
  • The cost that insures a 16-year-old driver can cost $5,710 a year

View Chart as Image

Audi TT insurance cost comparison chart
Column chart showing Audi TT insurance prices range from $873 to $5,710 for full coverage

Insurance rates for an Audi TT can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,800 to $2,500 additional per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 131% more than the average policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

Where you live makes a big difference in Audi TT insurance prices. A 40-year-old driver could pay as low as $1,180 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $2,190 on average in Louisiana, New York, and Michigan.

Audi TT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,384 -$148 -9.7%
Alaska $1,174 -$358 -23.4%
Arizona $1,270 -$262 -17.1%
Arkansas $1,532 -$0 0.0%
California $1,744 $212 13.8%
Colorado $1,464 -$68 -4.4%
Connecticut $1,576 $44 2.9%
Delaware $1,734 $202 13.2%
Florida $1,916 $384 25.1%
Georgia $1,412 -$120 -7.8%
Hawaii $1,100 -$432 -28.2%
Idaho $1,038 -$494 -32.2%
Illinois $1,142 -$390 -25.5%
Indiana $1,154 -$378 -24.7%
Iowa $1,032 -$500 -32.6%
Kansas $1,456 -$76 -5.0%
Kentucky $2,090 $558 36.4%
Louisiana $2,268 $736 48.0%
Maine $946 -$586 -38.3%
Maryland $1,264 -$268 -17.5%
Massachusetts $1,224 -$308 -20.1%
Michigan $2,662 $1,130 73.8%
Minnesota $1,282 -$250 -16.3%
Mississippi $1,836 $304 19.8%
Missouri $1,360 -$172 -11.2%
Montana $1,646 $114 7.4%
Nebraska $1,208 -$324 -21.1%
Nevada $1,838 $306 20.0%
New Hampshire $1,106 -$426 -27.8%
New Jersey $1,712 $180 11.7%
New Mexico $1,356 -$176 -11.5%
New York $1,612 $80 5.2%
North Carolina $882 -$650 -42.4%
North Dakota $1,254 -$278 -18.1%
Ohio $1,060 -$472 -30.8%
Oklahoma $1,572 $40 2.6%
Oregon $1,402 -$130 -8.5%
Pennsylvania $1,460 -$72 -4.7%
Rhode Island $2,044 $512 33.4%
South Carolina $1,388 -$144 -9.4%
South Dakota $1,294 -$238 -15.5%
Tennessee $1,342 -$190 -12.4%
Texas $1,848 $316 20.6%
Utah $1,134 -$398 -26.0%
Vermont $1,050 -$482 -31.5%
Virginia $916 -$616 -40.2%
Washington $1,184 -$348 -22.7%
West Virginia $1,402 -$130 -8.5%
Wisconsin $1,060 -$472 -30.8%
Wyoming $1,366 -$166 -10.8%

View Chart as Image

Audi TT insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $620 annually, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $407 more each year. View Rates by Deductible or Liability Limit

Insurance Rates by Trim Level and Model Year

Audi TT Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi TT 2.0T Quattro 2-Dr Coupe $1,450 $121
Audi TT 2.0T Quattro 2-Dr Coupe $1,450 $121
Audi TT 2.0T Quattro 2-Dr Coupe $1,486 $124
Audi TT S 2.0T Quattro 2-Dr Coupe $1,520 $127
Audi TT 2.0T Quattro 2-Dr Roadster $1,532 $128
Audi TT 2.0T Quattro 2-Dr Roadster $1,532 $128
Audi TT S 2.0T Quattro 2-Dr Coupe $1,558 $130
Audi TT 2.0T Quattro 2-Dr Roadster $1,592 $133
Audi TT S 2.0T Quattro 2-Dr Roadster $1,592 $133
Audi TT S 2.0T Quattro 2-Dr Roadster $1,652 $138

Rates assume 2017 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.

Audi TT Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2017 Audi TT $324 $598 $452 $1,532
2013 Audi TT $268 $436 $464 $1,326
2009 Audi TT $220 $314 $474 $1,166

Rates are averaged for all Audi TT models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Audi TT Insurance

Saving money on insurance for an Audi TT not only requires being a low-risk driver, but also having a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The items below are a quick review of the information covered above.

  • You may be able to save around $190 per year just by quoting online in advance
  • Teen drivers are the costliest to insure, as much as $476 per month if comprehensive and collision insurance is included
  • Increasing deductibles can save approximately $625 each year
  • Drivers considered higher risk with a DUI or reckless driving violation will likely pay on average $1,790 more per year to insure their TT
  • Insureds who purchase more liability coverage will pay approximately $500 per year to go from a minimum limit to the 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.

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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:

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.

Rates by Driver Age

Audi TT Insurance Rates by Driver Age
Driver Age Premium
16 $5,710
20 $3,542
30 $1,598
40 $1,532
50 $1,400
60 $1,374

Full coverage, $500 deductibles

Rates by Deductible

Audi TT Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,940
$250 $1,750
$500 $1,532
$1,000 $1,322

Full coverage, driver age 40

Rates by Liability Limit

Audi TT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,532
50/100 $1,742
100/300 $1,855
250/500 $2,149
100 CSL $1,788
300 CSL $2,036
500 CSL $2,217

Full coverage, driver age 40

Rates for High Risk Drivers

Audi TT Insurance Rates for High Risk Drivers
Age Premium
16 $8,164
20 $5,646
30 $3,400
40 $3,326
50 $3,176
60 $3,148

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $217

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $82
Multi-vehicle $81
Homeowner $23
5-yr Accident Free $115
5-yr Claim Free $100
Paid in Full/EFT $71
Advance Quote $77
Online Quote $110
Total Discounts $659
Rate after discounts $873

Discounts are estimated and may not be available from every company or in every state.

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