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 for full coverage insurance. Comprehensive insurance costs around $382, collision costs $714, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing $3,584 or more. 16-year-old drivers cost the most to insure at $6,002 a year or more.

Average premium for full coverage: $1,652

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different TT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than congested cities.

The price range example below illustrates how your location can change auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.

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

More Rate Details

The chart below illustrates estimated Audi TT insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $931
• Using higher $1,000 deductibles will save about $248 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,652
• Buying more expensive low deductibles for physical damage coverage costs an additional $486 every year
• Drivers with multiple tickets or accidents could pay at least $3,584 or more
• Policy cost with full coverage for a teen driver with full coverage can be $6,002 or more

View Chart as Image

Insurance rates for an Audi TT also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

An older driver with a clean 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 highest for teenagers, where even without any violations or accidents they can expect to pay as much as $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 are probably paying at least $2,000 to $2,700 extra every year, depending on your age. High-risk driver insurance can be as much as 45% to 135% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $740 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $358 more per 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 $1,080 a year in states like Vermont, Wisconsin, and North Carolina, or at least $2,230 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the 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 Affordable Audi TT Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest the time to shop around every other policy renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The next list is a brief review of the ideas that were illustrated above.

• Drivers age 20 and younger pay higher rates, possibly costing $500 each month including comprehensive and collision insurance
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,930 more every year to buy Audi TT insurance
• Increasing comprehensive and collision deductibles could save up to $725 each year
• It is possible to save up to $210 per year simply by shopping 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.

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.