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: Jun 6, 2023

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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.

Estimated insurance rates for an Audi TT are $1,532 a year with full coverage. Comprehensive costs approximately $324 a year, collision costs $598, and liability coverage costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing around $3,326. 16-year-old drivers pay the most at $5,710 a year or more.

Average premium for full coverage: $1,532

Premium estimates by type of coverage:

Comprehensive $324
Collision $598
Liability $452

Includes $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and TT trim levels.

Insurance Price Range by Risk and Coverage

For a driver around age 40, insurance rates for an Audi TT go from as low as $504 for the bare minimum liability coverage to a high of $3,326 for a driver who requires high-risk insurance.

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

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than congested cities.

The diagram 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 rate differences demonstrate why it is important to compare rates using their specific location and risk profile, rather than using rate 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.

Additional Rate Information

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

  • The best full coverage rate is $873
  • Drivers who choose higher $1,000 deductibles will pay $1,322 annually
  • The average rate for a 40-year-old good driver who chooses $500 deductibles is $1,532
  • Buying low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,940
  • High-risk insureds with multiple tickets or accidents could pay around $3,326 or more
  • An auto insurance policy for full coverage for a teenage driver can cost $5,710 a year

View Chart as Image

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

Insurance prices for an Audi TT also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high deductibles may only pay around $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers should be prepared to pay in the ballpark of $5,700 a year. View Rates by Age

Where you choose to live makes a big difference in Audi TT insurance rates. A 40-year-old driver could pay as low as $1,100 a year in states like Utah, Ohio, and New Hampshire, or at least $2,070 on average in New York, Michigan, and Florida.

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

Opting for high physical damage deductibles could save up to $620 a year, while buying higher liability limits will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,800 to $2,500 additional annually, depending on your age. A high-risk auto insurance policy can cost around 44% to 131% more than the average rate. View High Risk Driver Rates

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to get quotes and see how they stack up. Every company utilizes a different rate formula, and prices will be substantially 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 $1,450 $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 Cheapest Audi TT Insurance

Finding better rates on auto insurance not only requires having a good driving record, but also having a good credit history, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates at every other renewal by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a recap of the concepts that were covered above.

  • Drivers that have major violations or accidents pay on average $1,790 more per year to buy Audi TT insurance
  • Drivers age 20 and younger are the costliest to insure, possibly costing $476 per month including comprehensive and collision insurance
  • You may be able to save around $190 per year simply by quoting early and online
  • Increasing policy deductibles can save around $625 each year
  • You may be able to save around $190 per year simply by quoting early and online

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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