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 insurance rates for an Audi TT are $1,666 a year for full coverage insurance. Comprehensive insurance costs on average $398, collision insurance costs $720, and liability is $390. Buying just liability costs around $452 a year, and insurance for high-risk drivers costs $3,604 or more. Teen drivers cost the most to insure at up to $6,010 a year.

Average premium for full coverage: $1,666

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different TT trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than larger metro areas. The price range example below illustrates how where you live affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below illustrates average Audi TT insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $942
• Raising to $1,000 deductibles will save around $254 each year
• The average rate for a good driver age 40 with $500 deductibles is $1,666
• Choosing more expensive low deductibles will cost an extra $494 annually
• Drivers with multiple violations and an at-fault accident could pay upwards of $3,604
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $6,010

View Chart as Image

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

An older driver with a clean driving record and high deductibles may pay as low as $1,500 every 12 months on average, or $125 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $6,000 a year. View Rates by Age

Your home state also has a big influence on Audi TT insurance prices. A middle-age driver might find rates as low as $1,090 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $2,250 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $750 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $2,000 to $2,700 extra every year, depending on your age. High-risk driver insurance is expensive and can cost from 45% to 134% more than average. View High Risk Driver Rates

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 Find Cheaper Audi TT Insurance

Finding cheaper rates on insurance for an Audi TT consists of being a low-risk driver, maintaining good credit, being claim-free, and determing if full coverage is necessary. Take the time to comparison shop at least every other year by quoting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The items below are a condensed summary of the car insurance concepts touched on in the above illustrations.

• Drivers considered higher risk with multiple at-fault accidents pay an average of $1,940 more each year to insure their TT
• It is possible to save as much as $210 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save around $750 each year
• Insureds who require more liability coverage will pay about $430 annually to raise from a 30/60 limit to 250/500 limits

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.