Audi TT Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

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 $1,582 a year for full coverage. Comprehensive costs on average $336 a year, collision costs $646, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $3,442. Teen drivers receive the highest rates at $5,870 a year or more.

Average premium for full coverage: $1,582

Rate estimates by individual coverage type:

Comprehensive $336
Collision $646
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and TT trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $3,442 for a high risk driver.

Liability Only $496
Full Coverage $1,582
High Risk $3,442

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,187
Small Cities $1,661
Large Cities $2,136

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

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

  • The lowest rate with discounts is $895
  • Drivers who choose higher $1,000 deductibles will pay around $1,360 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,582
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $2,016
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $3,442 or more
  • The cost for full coverage for a teen driver may cost $5,870 a year

View Chart as Image

Audi TT insurance cost comparison chart
Column chart showing full coverage Audi TT insurance rates range from $895 to $5,870

for an Audi TT can also vary considerably based on your driver profile, the trim level of your TT, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,500 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,800 a year. View Rates by Age

Where you live makes a big difference in Audi TT insurance rates. A 40-year-old driver could pay as low as $1,040 a year in states like Idaho, Maine, and Iowa, or as much as $2,260 on average in Michigan, Louisiana, and New York.

Audi TT Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,432 -$150 -9.5%
Alaska $1,214 -$368 -23.3%
Arizona $1,316 -$266 -16.8%
Arkansas $1,582 -$0 0.0%
California $1,804 $222 14.0%
Colorado $1,512 -$70 -4.4%
Connecticut $1,626 $44 2.8%
Delaware $1,790 $208 13.1%
Florida $1,978 $396 25.0%
Georgia $1,460 -$122 -7.7%
Hawaii $1,138 -$444 -28.1%
Idaho $1,072 -$510 -32.2%
Illinois $1,178 -$404 -25.5%
Indiana $1,192 -$390 -24.7%
Iowa $1,068 -$514 -32.5%
Kansas $1,504 -$78 -4.9%
Kentucky $2,160 $578 36.5%
Louisiana $2,344 $762 48.2%
Maine $976 -$606 -38.3%
Maryland $1,306 -$276 -17.4%
Massachusetts $1,266 -$316 -20.0%
Michigan $2,748 $1,166 73.7%
Minnesota $1,324 -$258 -16.3%
Mississippi $1,896 $314 19.8%
Missouri $1,402 -$180 -11.4%
Montana $1,702 $120 7.6%
Nebraska $1,248 -$334 -21.1%
Nevada $1,898 $316 20.0%
New Hampshire $1,138 -$444 -28.1%
New Jersey $1,768 $186 11.8%
New Mexico $1,402 -$180 -11.4%
New York $1,668 $86 5.4%
North Carolina $912 -$670 -42.4%
North Dakota $1,296 -$286 -18.1%
Ohio $1,094 -$488 -30.8%
Oklahoma $1,626 $44 2.8%
Oregon $1,450 -$132 -8.3%
Pennsylvania $1,510 -$72 -4.6%
Rhode Island $2,110 $528 33.4%
South Carolina $1,432 -$150 -9.5%
South Dakota $1,336 -$246 -15.5%
Tennessee $1,386 -$196 -12.4%
Texas $1,908 $326 20.6%
Utah $1,174 -$408 -25.8%
Vermont $1,082 -$500 -31.6%
Virginia $948 -$634 -40.1%
Washington $1,224 -$358 -22.6%
West Virginia $1,450 -$132 -8.3%
Wisconsin $1,094 -$488 -30.8%
Wyoming $1,410 -$172 -10.9%

View Chart as Image

Audi TT insurance rates by U.S. city

Choosing high deductibles could save up to $660 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,900 to $2,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 134% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,496 $125
Audi TT 2.0T Quattro 2-Dr Coupe $1,496 $125
Audi TT 2.0T Quattro 2-Dr Coupe $1,532 $128
Audi TT S 2.0T Quattro 2-Dr Coupe $1,572 $131
Audi TT 2.0T Quattro 2-Dr Roadster $1,582 $132
Audi TT 2.0T Quattro 2-Dr Roadster $1,582 $132
Audi TT S 2.0T Quattro 2-Dr Coupe $1,608 $134
Audi TT 2.0T Quattro 2-Dr Roadster $1,646 $137
Audi TT S 2.0T Quattro 2-Dr Roadster $1,646 $137
Audi TT S 2.0T Quattro 2-Dr Roadster $1,710 $143

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 $336 $646 $442 $1,582
2013 Audi TT $278 $466 $460 $1,362
2009 Audi TT $236 $342 $478 $1,214
2002 Audi TT $172 $216 $442 $988

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 Cheaper Audi TT Insurance

Saving money on Audi TT insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $650 each year
  • Drivers can save as much as $200 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $489 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,860 more each year for insurance

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 $5,870
20 $3,668
30 $1,656
40 $1,582
50 $1,444
60 $1,418

Full coverage, $500 deductibles

Rates by Deductible

Audi TT Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,016
$250 $1,814
$500 $1,582
$1,000 $1,360

Full coverage, driver age 40

Rates by Liability Limit

Audi TT Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,582
50/100 $1,798
100/300 $1,909
250/500 $2,196
100 CSL $1,843
300 CSL $2,086
500 CSL $2,263

Full coverage, driver age 40

Rates for High Risk Drivers

Audi TT Insurance Rates for High Risk Drivers
Age Premium
16 $8,400
20 $5,848
30 $3,520
40 $3,442
50 $3,286
60 $3,256

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 $225

Potential Rate Discounts

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

Discount Savings
Multi-policy $85
Multi-vehicle $84
Homeowner $23
5-yr Accident Free $121
5-yr Claim Free $104
Paid in Full/EFT $75
Advance Quote $81
Online Quote $114
Total Discounts $687
Rate after discounts $895

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

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