Newer Audi e-trons cost more to insure than older models due to their higher market values. You'll pay around $392 monthly for 2024 models compared to just $112 for older e-trons.
Audi e-tron Insurance Cost
Updated: January 30, 2026
Key Takeaways
The Hartford offers the cheapest insurance rates on average for Audi e-tron owners, though full coverage still averages $298 monthly and varies by model year and insurer. Read more
The e-tron ranks 212th out of 256 SUVs for insurance affordability, placing it in the expensive tier even among SUVs. SUVs cost more to insure due to higher repair costs and increased theft risk. Read more
Getting precise rates means checking costs for your e-tron model year, especially if you're adding a teen driver to your policy. Read MoneyGeek's analysis of rates by company for specific E-Tron model years, depending on the age of the drivers
How Much Is Audi e-tron Insurance?
Looking for another Audi model? Read more about the cost of Audi car insurance models.
Costs vary by model year and company. Full coverage for an Audi e-tron spans $191 monthly with The Hartford to higher rates with AIG, while minimum coverage goes from $112 with The Hartford to $227 with Farmers.
Rate variations exceeding $115 for minimum coverage and $329 for full coverage demonstrate why e-tron owners need to shop around. Each company calculates model-specific risk differently, which impacts your final rate.
| AAA | $166 | $348 |
| AIG | $207 | $520 |
| Allstate | $202 | $392 |
| Amica | $199 | $409 |
| Chubb | $189 | $381 |
| Farmers | $227 | $399 |
| Geico | $120 | $263 |
| Kemper | $122 | $251 |
| Nationwide | $157 | $273 |
| Progressive | $143 | $269 |
| State Farm | $125 | $263 |
| The Hartford | $112 | $191 |
| Travelers | $112 | $209 |
| UAIC | $166 | $209 |
Is Audi e-tron Expensive to Insure?
MoneyGeek's analysis of 256 SUVs shows the Audi e-tron ranking 212th for affordability, meaning there are 211 cheaper options to insure. It costs just a few dollars more per month than a Lamborghini Urus and sits slightly below an Audi RS Q8 in terms of insurance expenses. This middle-tier positioning among SUVs provides helpful context for potential buyers.
While it's middle of the pack for SUVs, the e-tron ranks 732nd out of 827 total vehicles, placing it among the most expensive 25% of cars to insure overall. The Isuzu Amigo claims the cheapest SUV spot, while the Audi SQ8 e-tron commands the highest premiums in this category.
| Cadillac Lyriq-V | $217 | 209 |
| Audi SQ8 | $224 | 210 |
| Lamborghini Urus | $225 | 211 |
| Audi e-tron | $225 | 212 |
| Audi RS Q8 | $226 | 213 |
| Lotus Eletre | $229 | 214 |
| Maserati Grecale | $234 | 215 |
Several factors affect what you'll pay for Audi e-tron insurance:
- Average Repair or Replacement Costs: The e-tron's $1,597 annual repair costs make it relatively affordable to maintain, ranking as Audi's 14th most budget-friendly model out of 33 available options.
- Vehicle Trim, Features and Accessories: Performance capabilities ranging from 355 to 602 horsepower across different trims directly impact your premiums. Higher-performance variants command more expensive insurance due to their extreme power output and associated risks.
- Driver Profile:Â Most e-tron owners fall between the ages of 35 and 55, with a median age of around 45, often benefiting from better risk profiles. The vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Audi e-trons for young drivers.
Audi e-tron Insurance Cost by State
Car insurance for an Audi e-tron costs anywhere from $68 monthly in Wyoming to $297 in Louisiana for minimum coverage, depending on where you're located.
| Alabama | $137 | $265 |
| Alaska | $111 | $238 |
| Arizona | $168 | $316 |
| Arkansas | $140 | $311 |
| California | $141 | $283 |
| Colorado | $143 | $344 |
| Connecticut | $200 | $349 |
| Delaware | $191 | $319 |
| Florida | $150 | $357 |
| Georgia | $192 | $322 |
| Hawaii | $75 | $173 |
| Idaho | $86 | $177 |
| Illinois | $145 | $274 |
| Indiana | $97 | $191 |
| Iowa | $104 | $249 |
| Kansas | $123 | $287 |
| Kentucky | $179 | $307 |
| Louisiana | $297 | $623 |
| Maine | $89 | $187 |
| Maryland | $232 | $396 |
| Massachusetts | $152 | $327 |
| Michigan | $240 | $471 |
| Minnesota | $133 | $284 |
| Mississippi | $142 | $284 |
| Missouri | $204 | $401 |
| Montana | $134 | $319 |
| Nebraska | $116 | $263 |
| Nevada | $217 | $395 |
| New Hampshire | $121 | $215 |
| New Jersey | $217 | $362 |
| New Mexico | $117 | $260 |
| New York | $158 | $285 |
| North Carolina | $118 | $234 |
| North Dakota | $112 | $247 |
| Ohio | $114 | $224 |
| Oklahoma | $147 | $327 |
| Oregon | $153 | $268 |
| Pennsylvania | $155 | $364 |
| Rhode Island | $194 | $349 |
| South Carolina | $138 | $261 |
| South Dakota | $97 | $311 |
| Tennessee | $124 | $250 |
| Texas | $173 | $354 |
| Utah | $138 | $237 |
| Vermont | $86 | $204 |
| Virginia | $142 | $228 |
| Washington | $127 | $239 |
| West Virginia | $142 | $291 |
| Wisconsin | $111 | $244 |
| Wyoming | $68 | $205 |
Audi e-tron Costs by Model Year and Insurance Company
Newer Audi e-tron models cost more to insure than older ones, and driver age also impacts your premiums . A 35- to 55-year-old driver with a 2019 Audi e-tron pays around $238 monthly for full coverage car insurance, while the same driver pays $383 per month for a 2024 model. Young drivers in their teens and early twenties will pay much more to insure an e-tron regardless of the model year.
The Hartford offers the lowest rates across all Audi e-tron model years and could save certain drivers hundreds of dollars per month compared to average costs.Â
Older models (2019 and 2020):
Cost of Car Insurance for 2024 Audi e-tron
| The Hartford | $115 | $196 |
| Kemper | $127 | $262 |
| Travelers | $137 | $255 |
| State Farm | $148 | $313 |
| National General | $155 | $318 |
| Geico | $158 | $346 |
| UAIC | $179 | $226 |
| Progressive | $186 | $351 |
| Nationwide | $198 | $345 |
| AAA | $206 | $433 |
| Chubb | $239 | $484 |
| AIG | $259 | $655 |
| Allstate | $259 | $504 |
| Amica | $263 | $541 |
| Farmers | $295 | $519 |
Cost of Car Insurance for 2023 Audi e-tron
| The Hartford | $109 | $186 |
| Kemper | $121 | $249 |
| Travelers | $131 | $243 |
| State Farm | $141 | $298 |
| National General | $148 | $302 |
| Geico | $150 | $329 |
| UAIC | $171 | $215 |
| Progressive | $177 | $334 |
| Nationwide | $188 | $328 |
| AAA | $196 | $412 |
| Chubb | $228 | $461 |
| AIG | $247 | $623 |
| Allstate | $247 | $480 |
| Amica | $250 | $515 |
| Farmers | $281 | $494 |
Cost of Car Insurance for 2022 Audi e-tron
| The Hartford | $95 | $161 |
| Kemper | $105 | $216 |
| Travelers | $113 | $210 |
| State Farm | $122 | $258 |
| National General | $128 | $262 |
| Geico | $130 | $285 |
| UAIC | $148 | $186 |
| Progressive | $154 | $289 |
| Nationwide | $163 | $284 |
| AAA | $170 | $357 |
| Chubb | $197 | $399 |
| AIG | $213 | $539 |
| Allstate | $214 | $415 |
| Amica | $217 | $446 |
| Farmers | $243 | $428 |
Cost of Car Insurance for 2021 Audi e-tron
| Geico | $95 | $206 |
| Travelers | $100 | $185 |
| National General | $103 | $210 |
| Progressive | $114 | $213 |
| State Farm | $115 | $242 |
| The Hartford | $123 | $210 |
| Kemper | $133 | $272 |
| Nationwide | $133 | $231 |
| AAA | $144 | $299 |
| Amica | $155 | $318 |
| Chubb | $158 | $318 |
| Allstate | $166 | $320 |
| UAIC | $173 | $218 |
| AIG | $176 | $439 |
| Farmers | $183 | $319 |
Cost of Car Insurance for 2020 Audi e-tron
| Geico | $102 | $222 |
| Travelers | $107 | $199 |
| National General | $110 | $226 |
| Progressive | $123 | $229 |
| State Farm | $124 | $260 |
| The Hartford | $132 | $226 |
| Kemper | $143 | $293 |
| Nationwide | $143 | $248 |
| AAA | $155 | $322 |
| Amica | $167 | $342 |
| Chubb | $171 | $342 |
| Allstate | $178 | $345 |
| UAIC | $187 | $235 |
| AIG | $189 | $473 |
| Farmers | $197 | $344 |
Cost of Car Insurance for 2019 Audi e-tron
| Geico | $84 | $184 |
| Travelers | $89 | $165 |
| National General | $91 | $187 |
| Progressive | $101 | $190 |
| State Farm | $103 | $215 |
| The Hartford | $110 | $187 |
| Kemper | $118 | $243 |
| Nationwide | $118 | $206 |
| AAA | $129 | $267 |
| Amica | $138 | $283 |
| Chubb | $141 | $284 |
| Allstate | $148 | $286 |
| UAIC | $155 | $195 |
| AIG | $157 | $391 |
| Farmers | $163 | $285 |
Audi e-tron Insurance Cost by Trim
Insurance costs for your Audi E-Tron range from $126 monthly for minimum coverage on basic Prestige Sport Utility 4d models to $392 for full coverage on high-performance Chronos Sport Utility 4d variants. Performance features, rarity, and market value determine where each trim falls in this range.
| Prestige Sport Utility 4d | $126 | $246 |
| Premium Sport Utility 4d | $137 | $269 |
| Premium Plus Sport Utility 4d | $137 | $269 |
| Sportback Premium Plus Sport Utility 4d | $144 | $283 |
| Sportback Premium Sport Utility 4d | $154 | $303 |
| Sportback Prestige Sport Utility 4d | $173 | $339 |
| Chronos Sport Utility 4d | $199 | $392 |
How to Lower the Cost of Audi e-tron Insurance
Here are proven strategies to help you find better rates on your Audi e-tron insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Audi e-tron. If you own your vehicle, get your state's minimum liability requirements plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with a $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by researching average auto insurance costs for luxury electric vehicles. This benchmark aids in shopping for the cheapest car insurance companies with competitive rates. Understanding typical costs helps you identify genuine savings when comparing quotes from different insurers.
- 3Look for more than just low rates
Selecting reliable car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and verify AM Best financial stability. Budget insurers might offer limited coverage or slower service, especially important for luxury vehicle repairs in areas like Silicon Valley.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Audi e-tron owners often qualify for safety features discounts, bundling savings, good driver rewards and electric vehicle discounts. Many insurers also offer multi-policy discounts if you combine auto coverage with homeowners or renters insurance, particularly valuable for professionals in expensive markets.
- 5Consider alternative car insurance types
Audi e-tron owners might benefit from usage-based insurance programs like Progressive Snapshot or Allstate Drivewise. These telematics options track safe driving habits and deliver premium reductions. Electric vehicle owners who drive less frequently can see significant savings, especially beneficial for urban professionals who primarily use their e-tron for weekend trips.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Audi e-tron insurance. Market conditions change frequently, and new discounts or company policies may make switching beneficial for maintaining optimal coverage costs.
Audi e-tron Insurance Cost: Bottom Line
Audi e-tron insurance costs more than average, but you'll find decent rates with some effort. Compare quotes from multiple insurers, maximize available discounts and adjust your coverage options.
Audi e-tron Insurance Rates: FAQ
What is the average cost of car insurance for an Audi e-tron?
The Audi e-tron averages $1,822 annually for state minimum coverage and $3,577 for full coverage. Monthly costs run $152 for minimum protection and $298 for comprehensive coverage.
What company has the cheapest car insurance for an Audi e-tron?
The Hartford provides the most affordable minimum coverage for an Audi e-tron at $1,343 annually. For full coverage, The Hartford also offers the best value at $2,289 per year.
Are Audi e-trons expensive to insure?
Yes, Audi e-tron insurance is more expensive than most vehicles. Among SUVs specifically, this model ranks 212th out of 256 for affordability, but sits at 732nd out of 827 across all vehicle types we track.
What factors affect insurance costs for an Audi e-tron?
Multiple factors influence your Audi e-tron insurance premiums. The vehicle's high-tech electric components and specialized repair requirements increase coverage costs. Your personal driving history, credit score, and selected coverage levels impact your final rates, along with your location and annual mileage.
How can I lower Audi e-tron insurance costs?
Compare quotes from several insurers since Audi e-tron pricing differs between companies, and explore usage-based programs that monitor safe driving. Maximize available discounts, bundle policies and keep your driving record clean to secure better rates.
How We Determined Audi e-tron Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Audi e-tron insurance costs.
Who We Based These Rates On
These Audi e-tron rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.