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Average Audi TT insurance rates
Introduced in 1998, the Audi TT is a 2-door compact sports car that blends Audi’s luxurious styling with a number of sport-inspired details. Equipped with Audi’s refined Quattro four-wheel drive system, the TT puts out over 200 horsepower through a 2.0-liter TFSI engine. While some sports cars can be expensive to insure, the TT seems to be an exception.
In fact, our estimates show that the cost of auto insurance for an Audi TT is about $128 a month — or $1,536 a year, roughly $300 higher than the national average. Despite its performance-oriented design, insurance costs remain reasonable since there are a number of driver and vehicle-specific variables that can influence the cost of coverage.
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A 2017 Audi TT starts at a base price of $43,500. With the average insurance rate at $1,536 per year, the annual insurance cost–to–base car price ratio is 3.5%.
Monthly insurance rate
Base car price
A4 All Road
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
2017 Audi TT
10,001–15,000 miles driven yearly
No accidents in the past five years
Anti-theft device on vehicle
Driver located in New York
Our estimated price is for basic coverage, which we define as two times the state required minimum and the addition of bodily injury, property damage, uninsured motorist, bodily injury and personal injury protection.
Other factors that can affect your auto insurance rate
Audi TT model year
Amount of coverage you need
Estimated miles you drive in a year
Vehicle’s safety and anti-theft features
Driver’s credit score and location
Driver’s age, marital status and gender
Driving history in the past five years
Whether the driver rents, leases or owns the vehicle
How to compare insurance for the Audi TT
Outside of New Hampshire and Virginia, each state has its own set of minimum coverage requirements. But even if auto insurance isn’t mandatory where you live, having the right policy can offer unparalleled protection and peace of mind. While finding a company to insure your Audi TT is easy, choosing the right policy can be a bit more difficult if you don’t know what you’re looking for. Here are a few things to consider when comparing your options.
Price. Policy features and details often vary between providers, making it difficult to shop around by price. You can get around this by using the same profile when getting quotes, then comparing your options to find a policy that fits your budget.
Deductible. Your deductible amount can directly affect the cost of car insurance. A higher amount often makes for lower premiums, whereas a lower deductible will likely have a higher monthly cost.
Minimum coverage. Most states require drivers to have a minimum amount of coverage in order to drive on public roads. Make sure your state’s minimums are met before purchasing a policy.
Additional coverage. Many providers offer additional coverage options like personal injury protection and medical payments coverage. Be sure to include any desired options in your quote to get an accurate estimate.
Extras. Accident forgiveness, roadside assistance and vanishing deductibles are a few extras that many providers offer. Whether they’re free or available at an additional cost, you may want to consider them when shopping around.
Restrictions. Restrictions can lead to denied claims or gaps in coverage. Find out if any apply to your policy before getting on the road.
Manufacturer offer or loyalty discount. Some manufacturers have partnerships that could help you get discounts or special offers. Speak with Audi to find out if you are eligible.
Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.
What factors affect car insurance rates for Audi TT?
While your driving history, location, and other factors can all influence your chances of filing a claim, the vehicle you drive plays a major role. Safety features, theft rates, body style and other elements are all taken into account, which is why insurance rates can vary so much depending on your cars make and model. Here’s how the Audi TT’s characteristics might affect the cost of coverage.
Body type. The Audi TT is a two-door compact sports car. While this classification could increase the cost of insurance, it might help you save in other ways.
Type of car. The TT is a luxury performance vehicle. While these types of cars can be more expensive to insure, its modest price tag could make for lower rates.
Theft. Sports cars are stolen far less than pickup trucks and sedans. Because of this, the TT’s classification as a sports car could lead to lower premiums.
Repairs. While repairs can be expensive on sports cars, parts and service should be easy to find, which could reduce the cost of insurance.
Safety ratings. Although the TT doesn’t have official safety ratings from the IIHS or NHTSA, Audi vehicles are widely considered safe vehicles. This could reduce the cost of coverage.
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How do trim packages and extra build options affect insurance cost?
Insurance providers evaluate your risk of getting into an accident when calculating your auto insurance premiums. Since performance, safety features, security systems and other details can vary between vehicles, your make and model will have a large impact on the price you pay for auto insurance. Beyond your choice of vehicle, the trim and packages on the car can also affect your premiums. Here’s how some build options on the 2018 TT could affect the cost of insurance.
Driver Comfort Package. This package adds a parking system, rear view camera, side assist and other features that can improve visibility. Adding this could lower your auto insurance rates.
LED Headlights Package. LED headlights make it easier for you to see and be seen, which may lead to cheaper auto insurance.
Active lane assist. Active lane assist could prevent accidents and may lead to auto insurance discounts.
Wheel locks. Wheel locks do an excellent job at preventing wheel theft. Many insurance providers recognize this and will provide a discount if you have them installed.
Audi TT money-saving safety features
You could save money on car insurance for your Audi TT if it comes equipped with these safety features.
Daytime running lights
Surround camera system
Rear back-up sensors
LED fog lights
Electronic stability control
Does the Audi TT qualify for auto insurance discounts?
Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Audi TT:
According to U.S. News and J.D Power, the 2018 Audi TT holds a 3/5 star reliability rating. While this is on par with other vehicles in its class, previous years have slightly better ratings.
The Audi TT has been in production since 1998 and has faced a few issues since its release. Here are a few recent recalls for the Audi TT:
2016. Audi recalled a limited number of 2016 TT roadster for a software issue that could prevent the side marker lights from working while the parking or headlights are active.
2006-2010. Certain 2006-2010 Audi TT vehicles were recalled due to a faulty spring on the fuel tank ventilation valve, which could lead to fuel leaks.
Despite being in production for over 20 years, the Audi TT has very few common problems, especially on recent models. However, one owner mentioned that the air bags failed to deploy on their 2016 model, but there are no other reported incidents for this issue. Of all model years, the 2004 TT is considered the worst due to frequency of issues, high cost of repairs and problems at lower mileage.
How safe is the Audi TT?
Unfortunately, the Audi TT doesn’t have any official safety ratings from the NHTSA, IIHS, or any other major sources. However, like most Audi vehicles, it comes with a number of safety and driver assistance features that could help prevent accidents or mitigate damage if something were to happen.
Audi TT maintenance
Like most Audi vehicles, the TT comes packed with an assortment of features that provide an exciting but comfortable drive. Its design offers a convenient driving experience that requires little maintenance to remain on the road. With that being said, sports cars generally need a bit more attention than sedans and other types of vehicles, so a little care can go a long way. Here’s what to expect in terms of oil changes, mileage, service appointments and more.
Audi recommends an oil change every 10,000 miles or 12 months, whichever comes first. However, if your car is being driven vigorously, you may want to have it changed more frequently.
Oil changes should cost between $75 and $150, but your actual cost depends on where you bring your vehicle for service and how long it’s been since the last appointment.
According to the 2017 Audi maintenance schedule, your TT should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
The 2018 Audi TT gets an average of 26 miles per gallon, with 23 in the city and 30 on the highway.
The 2017 Audi TT comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.
Is an extended warranty worth it for the Audi TT?
The TT comes with Audi’s standard four-year, 50,000 mile New Vehicle Limited warranty. This covers defects in both materials and workmanship, along with access to 24/7 roadside assistance. For additional peace of mind, Audi’s Certified pre-owned Limited Warranty provides an additional two years or 50,000 miles of coverage, up to a total of 100,000 miles on your vehicle. If purchased, this warranty becomes active after the initial warranty expires. While the TT is a fairly reliable vehicle, the extended warranty could save you the headache and repair bill if something goes wrong after your new vehicle warranty expires.
About the Audi TT
The Audi TT was introduced in 1998 as a two-door sports car. The newest model is known as a luxury sports car that offers everyday driving comfort. The 2017 model has not been evaluated by the Insurance Institute for Highway Safety or the National Highway Traffic Safety Administration.
Insurance companies determine the insurance cost for an Audi TT based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Audi shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Audi TT shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.
Compare Audi competitors
Compare other Audi models or explore other manufacturers to find vehicles similar to the Audi TT.
With a price tag that starts in the low 40,000s, the Audi TT delivers a balance between luxury and performance. Equipped with many of Audi’s award-winning safety and driver assistance features, finding coverage for your TT should be no problem. But before purchasing coverage, it’s important to compare your options to find a policy that offers the coverage you need and fits your budget.
Frequently asked questions about the Audi TT
While there is no single best auto insurance provider for the Audi TT, finding coverage should be easy. Almost all major providers should be able to cover your TT, it’s just a matter of finding the right policy. The best way to shop around is to get quotes from multiple providers using the same criteria. Doing so will allow you to accurately compare your options to find out which provider offers the best value for the coverage you need.
Yes and no. Besides the TT, the R8 is Audi’s only roadster sports car. However, there are a number of other Audi vehicles that are available in coupe or convertible, many of which offer even better performance than the TT. For a more powerful engine and sport tuning, you may want to consider the TTS or TT RS. But for a more comfortable and luxurious driving experience, the A5, S5, and RS5 are all great options.
You can learn more about state minimums here, or you can speak with your provider to find a policy that suits your needs. When shopping around, it’s essential to find a policy that fits into your budget but also fulfills your state’s minimum requirements.
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Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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