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Audi E-tron car insurance rates

Expect higher rates for this valuable full-on electric.

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audi etron 2019

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Audi is bringing this high-end electric SUV to the market with possible above-average insurance rates because of its high MSRP and coverage needs. Similar Audi models like the Q7 have brought rates around $197 per month, or $2,364 per year. You can expect similar rates for the E-tron as well.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare car insurance for your Audi E-tron

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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How do I compare insurance for the E-tron?

The E-tron will debut with Audi’s usual flair for electric style charged inside an SUV body. That combination means higher rates due to a higher price tag, specialized parts for repairs and higher coverage needs. A few factors that contribute:

  • Body type. The E-tron is a high-end SUV, which means it has a large body size and high MSRP that could drive up rates.
  • Fuel. You won’t have to worry much about fuel with this car’s fully electric capacity. Plus, you get decent driving range over 200 miles.
  • Theft rates. This model is fresh off the Audi line for 2019, which means no theft rates as of yet. However, Audi isn’t known for high theft.
  • Maintenance. The E-tron’s German make along with electric parts could make maintenance more expensive than the average joe’s SUV.
  • Coverage. Consider a luxury policy for this vehicle to make sure you get high limits and agreed value. Plus, consider gap coverage or underinsured motorist coverage.
  • Insurer options. Almost any insurer will cover an Audi, so no worries finding a policy. But consider luxury insurance for agreed value coverage and higher limits to protect your investment.
  • Warranty. Each Audi comes with a four-year, 50,000-mile warranty that also includes four years of roadside assistance and your first vehicle servicing at no extra cost. In addition, the E-tron comes with a battery pack warranty for eight years or 100,000 miles.

Does the Audi E-tron qualify for discounts?

This electric SUV includes several safety features that may qualify for discounts. Those include:

  • Antilock brakes
  • Antitheft system
  • Pretensioners
  • Stability control
  • Front impact airbags
  • Side impact airbags
  • Overhead airbags

Why is insurance so expensive for the E-tron?

You’ll find most Audis have above-average insurance rates because of its luxury status. Reasons the E-tron keeps the same tune:

  • High MSRP. This Audi keeps a moderately high pace with other luxury cars starting at $75,000 MSRP, which makes the car more expensive to insure.
  • SUV size. Departing from the small stature of electrics, the E-tron is large and could do more damage during an accident.
  • Imported electric parts. Imported parts already skyrocket repair costs, but electrics also bring the special challenge of expensive tech to go with it.
  • Luxury insurance. You may need high-end insurance to protect your top-of-the-line Audi.
  • More horsepower. This SUV includes a 355-horsepower engine, which is a powerhouse by electric standards that could encourage fast-tracking.

How reliable is the Audi E-tron?

You won’t find ratings for the E-tron yet, although the similar Audi Q8 received applause from a top safety organization. For now, this brand new model needs time to shine its reliability, but it has a robust warranty to help with any kinks.

  • Safety. Because this year is the E-tron’s debut, the SUV doesn’t have safety ratings yet. However, the 2019 Audi Q8 received the IIHS Top Safety Pick award, so expect safety ratings to be similarly stellar for the E-tron.
  • Reliability. Although it doesn’t have any sure reliability ratings, the E-tron received an average predicted reliability from J.D. Power.
  • Recalls. No recalls have been issued for this brand new model. While problems may not be expected, this vehicle is Audi’s first all-electric SUV in production.

Bottom line

The E-tron will probably bring a higher premium to cover its top-end electric parts. However, you may get a break with Audi’s helpful warranty and zero fuel costs for this full-on electric.

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