Insuring an Audi

• Audi A1
• Audi A3 (including Sportback, Sedan, and Convertible)
• Audi A4 (including Avant, Allroad, and Limousine)
• Audi A5 (Coupe, Sportback, Convertible)
• Audi A6 (Avant, Allroad, Sedan)
• Audi A7 Sportback
• Audi A8 (Sedan)
• Audi Q2
• Audi Q3 (including Sportback)
• Audi Q4 e-tron (and Q4 Sportback e-tron)
• Audi Q5 (including Sportback)
• Audi Q7
• Audi Q8 (including Sportback)
• Audi SQ7, SQ8
• Audi Q8 e-tron (and Q8 Sportback e-tron)
• Audi TT (Coupe, Roadster)
• Audi S models (S3, S4, S5, S6, S7, S8)
• Audi RS models (RS3, RS4 Avant, RS5 Coupé/Sportback, RS6 Avant, RS7 Sportback, RS Q3, RS Q5, RS Q8)
• Audi R8 (Coupe, Spyder)
• Audi e-tron (SUV, Sportback)
• Audi Q4 e-tron / Q4 Sportback e-tron
• Audi Q8 e-tron / Q8 Sportback e-tron
• Audi e-tron GT (and RS e-tron GT)

• Audi 50
• Audi 80
• Audi 100
• Audi 200
• Audi V8
• Audi Coupe GT
• Audi Quattro (Original Quattro, 1980)
• Audi 80 Convertible
• Audi S2
• Audi RS2 Avant (1994)
• Audi A4 B5/B6
• Audi A6 C4/C5
• Audi TT (first generation, 1998)
• Audi TT 3.2 Quattro
• Audi Allroad Quattro (first generation, 2000)
• Audi R8 (first generation, starting in 2007)
• Audi S4 and RS4 (early 2000s)

You can also get insurance for older Audi models. Check out the options forclassic car insurance.

You can customize an Audi entirely to your liking. Consider, for example, a ceramic brake system, Nappa leather, or alloy wheels. Accessories are usually covered up to about €1,000. If the value of the accessories exceeds the maximum amount covered by standard coverage, you can purchase additional coverage from many insurers.

The way this is covered varies by insurer. Some insurers offer a separate supplemental insurance policy that allows you to set the insured amount yourself, while others include accessories in a broader package with supplemental coverage.

Do the modifications go beyond standard accessories? If so, it’s good to know that aftermarket modifications can usually be covered by your insurance as well. Examples include ECU tuning, aftermarket exhaust systems, and upgraded intercoolers.

Have you modified your Audi with, for example, a sports exhaust, a lowered suspension, or a tuned engine?

• Physical modifications(hybrid turbo, sports exhaust, modified air intake, rims) can often be included in your insurance coverage if you declare them.
• Software-based tuning(e.g., Stage 2 or Stage 3 ECU upgrades or DSG software) is generally not permitted. Any damage resulting from this will not be covered.

Are you making any changes to your car? If so, be sure to notify your insurance company and keep in mind that this may affect your premium.

The best insurance for your Audi depends on the car’s age, value, and how you use it. For new or high-value models, comprehensive coverage is often the best choice. Older Audis can usually be insured just fine with third-party liability or third-party liability plus coverage. Compare different insurers and look for additional coverage options such as roadside assistance, rental car coverage, and repairs at authorized dealerships.

A Comprehensive insurance is especially recommended for a new or expensive Audi, such as an A6, Q5, or e-tron. This coverage also reimburses damage caused by your own fault and vandalism, which can save you a lot of money on premium cars. For older Audis , comprehensive coverage is often not cost-effective; in those cases, third-party liability plus coverage is sufficient. 

Many Audi drivers choose:

• Roadside assistance insurance (especially for those who drive a lot or travel abroad),
• Legal assistance in claims disputes,
• Passenger Injury Insurance,
• Accessory coverage for high-cost options (e.g., navigation systems or alloy wheels).

Audis are considered premium cars: sporty, luxurious, and often equipped with powerful engines. As a result, insurance premiums are usually a bit higher. Factors include:

• value of the car,
• type (for example, A1 vs. RS models),
• driver's age,
• claim-free years.

Certain models, such as the Audi A3 and A4, appear relatively frequently in theft statistics. Insurers take this into account. Additional security measures (Class 3 alarm, vehicle tracking system) can lower the premium or may even be required in some cases.

Audis that are more than 15 years old often qualify for a “youngtimer” program. In that case, the insurance premium is often lower, but you pay tax based on the market value (current market value), which can be advantageous for business drivers.

If your Audi is damaged, you can take it to repair shops affiliated with your insurance provider. If you choose a brand-specific repair shop or an Audi dealer, it’s important to make sure this is covered under your policy. Some insurers offer brand-specific repairs as standard, while others charge a copayment for this service. Be sure to check this carefully to avoid unexpected costs.

Yes, for high-performance Audis, such as those in the S or RS lines, premiums are often higher and the terms and conditions are stricter. Some insurers offer specialized packages with additional coverage for accessories or track use. It’s a good idea to choose an insurer with experience in insuring sports cars to avoid complications in the event of a claim.

For a used Audi, the right coverage depends on the current market value and the year it was manufactured. If your Audi is less than 6 years old, third-party liability plus (WA+) or comprehensive (Allrisk) coverage may still be appropriate. For older models (6 years or older), third-party liability (WA) or third-party liability plus (WA+) coverage is often sufficient. With third-party liability plus (WA+), be sure to check the coverage for theft, storm damage, and glass damage.