Audi is a German luxury auto brand known for it's Quattro all-wheel-drive system, opulent interior, and stunning performance. As the company expands into the electric vehicle market, it gains an even larger following. This top-ranked vehicle lineup requires the best possible car insurance. You can depend on an independent insurance agent to provide you with the information you need to make the best choices when it comes to protecting your investment.
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What Kind of Insurance Do You Need for Your Audi?
Your ideal insurance coverage should provide protection from the financially negative effects of an accident, no matter who is at fault. Some insurance types are required by state law. Your insurance agent can talk with you about required and optional coverage.
Most states require this coverage:
- Bodily injury liability: If you are in an accident that causes injury to your passengers, other drivers, or pedestrians, bodily injury liability will cover medical expenses and lost wages for covered incidents. You'll need bodily injury liability coverage in every state except New Hampshire and Florida, where it's optional.
- Property damage liability: While property damage liability won't pay for repairs to your Audi, it will cover the cost of replacing or repairing a vehicle, structure, or building that is damaged in an accident.
Many states also require this coverage:
Medical payments/personal injury protection: In "no-fault" states, you have the option to purchase a personal injury protection (PIP) policy to cover accident-related medical expenses incurred by you or your passengers. Even if you can't get PIP coverage in your state, you can choose medical payments coverage to provide a similar amount of coverage.
Uninsured motorist coverage: Even if auto insurance is required by law, not all drivers are adequately insured. If you are in an accident with an uninsured or underinsured motorist, you may have to pay for expenses related to an accident on your own. Uninsured and underinsured motorist coverage handles those costs for you. While it's optional in many states, this is an important type of insurance that offers an inexpensive way to add value to your auto insurance policy.
Collision insurance: While this coverage is optional if you own your Audi, those with a loan or lease will have to follow their lienholder's requirements for collision insurance. This is another area where your insurance agent can help you understand how best to meet the law and your lienholder's requirements while getting the right amount of coverage for your Audi. With collision insurance, your insurance company will pay to replace or repair your Audi if there's an accident. This type of policy doesn't cover theft, hail damage, damage to someone else's property, or medical costs.
Comprehensive insurance: Also called "other than collision" insurance, this handles costs related to non-collision events that damage your vehicle, like a tree limb falling on your hood in a windstorm. This coverage is optional, and it pays for damage minus your deductible. It also covers accidents that occur because you hit an animal on the road, or damage to your Audi due to a weather event.
Glass coverage: Replacing your Audi's windshield could cost hundreds of dollars. With a zero-deductible glass coverage policy, your insurance company would pay to repair rock chips or replace broken glass. This type of coverage typically costs just a few dollars each month.
Gap Insurance: If you have an outstanding lease or loan on your Audi and you are in an accident, the insurance company will only pay for damage or replacement costs up to the vehicle's value. If your car is a total loss and you owe more than it's worth, you may end up with outstanding debt. Gap insurance pays off your lease or loan so you don't have to pay that cost out-of-pocket.
What Affects the Cost of Insurance for Your Audi?
There are many factors that go into creating your Audi car insurance rates. Your age, driving record, the model and age of your Audi, and the vehicle's safety ratings are just a few of the factors that insurance companies use to set premiums.
Average Cost of an Audi Insurance Policy
In the United States, an Audi driver who is a 40-year-old male with a clean driving record pays an average of $1,839 per year for a full-coverage insurance policy with a $500 deductible. Those rates may be higher or lower for a teen driver, high-risk driver, or someone who chooses a high deductible.
|Audi vehicle annual insurance rate averages|
|Policy with low deductibles:||$2,498|
|Policy with high deductibles:||$1,548|
The Safety of Your Audi
Your Audi's safety ratings help set auto insurance rates. Vehicles equipped with advanced crash prevention features help reduce the number of claims. Those that fare well in crash tests administered by the IIHS and NHSTA also have slightly lower premiums.
Standard Audi Safety Features by Model
|ILX||Forward collision warning, city automatic emergency braking, high-speed automatic emergency braking, pedestrian detection, lane departure warning, lane-keeping assistance|
|MDX||Forward collision warning, city automatic emergency braking, high-speed automatic emergency braking, pedestrian detection, lane departure warning, lane-keeping assistance|
|NSX||No standard safety features|
|RDX||Forward collision warning, city automatic emergency braking, high-speed automatic emergency braking, pedestrian detection, lane departure warning, lane-keeping assistance|
|RLX||Forward collision warning, city automatic emergency braking, high-speed automatic emergency braking, pedestrian detection, lane departure warning, lane-keeping assistance, blind-spot warning, rear cross-traffic warning|
How Location Affects Your Audi Insurance
Depending on where you live, you may pay higher insurance rates. Residents of these states have the highest average auto insurance rates in the country:
|Yearly average insurance rates for residents|
Location isn't the only factor that affects your auto insurance rates, of course. Your rates may be much lower or much higher than these, depending on your age, driving record, and the type of vehicle you drive.
Average Cost to Insure an Audi
Your annual insurance premium also depends on your model. An Audi A3 has an average annual premium of $1,432, while an Audi S8 has a $2,684 annual premium.
Changing your deductible will also affect your insurance rates.
Your agent can help you decide how to balance your deductible and your insurance premium so it fits into your budget and aligns with your financial goals.
Top Independent Insurance Carriers That Insure the Audi
The insurance company you choose has a lot to do with how satisfied you'll be over time with your coverage. You'll need a reliable and responsive company with a great reputation. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power gave these four companies great reviews:
Get an Audi Car Insurance Quote
Reach out to an independent insurance agent today to get a quote for insurance on your Audi. An independent insurance agent has the ability to shop dozens of insurance companies, so you'll get the auto insurance you need at a great value.
TrustedChoice.com Article | Reviewed by Greg Safford
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