Audi is one of Germany’s premier automakers. It forms part of Volkswagen Group along with Volkswagen, Porsche and Lamborghini, among other brands. Audi’s high parts costs and complex packaging can make insurance costs more complex. Quattro all-wheel drive components, premium lighting, and sensor calibration may increase repair costs, while the model year, theft rates, location, and driver history also affect premiums.
We used our own quote data at MyChoice to find out how much you can expect to pay for Audi insurance. We’ll also look at the difference in cost between models, cities in Ontario, whether they’re new or used, and compare rates with other luxury brands.
Audi Insurance Costs at a Glance
Median insurance premium for an Audi is $2,552 in Ontario. That’s 9% higher than the $2,345 Ontario benchmark for all vehicles.
Premiums vary greatly from model to model. For instance, insurance rates range from $1,952 for a Q5 AWD to $2,889 for a Q5 Progressiv 45, which is a difference of $937.
When asking for a rate, be sure to quote the exact year/trim level, as insurance companies don’t consider all Q5s the same.
| Median Audi premium (Ontario) | $2,552 |
| Audi vs Ontario all-vehicle median | +9% |
| Cheapest Audi model to insure in Ontario | Q5 (~$1,952) |
| Most expensive Audi model to insure in Ontario | Q5 Progressiv 45 (~$2,889) |
| Cheapest alternatives to insure | Infiniti ($2,145), Lexus ($2,422), Tesla ($2,427), BMW ($2,459) |
How Audi Model, Year and City Appear in Our Quote Data
Looking at median quotes, we find that a 2014 Q5 in Toronto costs $2,044 to insure per year, while a 2014 A4 in Brampton costs $5,071, which is a difference of $3,027 per year.
There can be substantial differences in premiums between cities and vehicles.
| City | Model | Model Year | List Price | Median Annual Car Insurance Premium |
|---|---|---|---|---|
| Brampton, ON | A4 | 2014 | $43,312 | $5,071 |
| Markham, ON | Q5 Progressiv 45 | 2022 | $56,805 | $3,753 |
| Mississauga, ON | A4 | 2017 | $47,355 | $3,221 |
| Toronto, ON | Q5 | 2014 | $48,510 | $2,044 |
Insurance Planning for a New Audi Versus a Used Audi
Real policy costs may be higher or lower depending on the Audi you’re financing, the amount of coverage you want, your deductible, and other factors.
However, based on the above estimates, a used Audi ($2,447/yr) may be a bit cheaper to insure than a new Audi ($2,629/yr). Keep in mind that this difference in premium represents the correlation between a vehicle’s age and insurance cost and may not necessarily reflect the rate at which Audis depreciate.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Audi | $2,629 |
| Used Audi | $2,447 |
Audi Insurance Against Other Premium Makes
It pays to shop around to find the most economical auto insurance company, making sure to compare similar makes/models with comparable deductibles, coverage limits and driver profiles.
Audi has a median annual premium of $2,552. That’s $22 higher than Volvo and $93 higher than BMW. However, Audi is $94 less than Mercedes-Benz. The small difference indicates Audi has comparable auto insurance costs to other premium brands.
| Car brand | Median Annual Car Insurance Premium |
|---|---|
| Infiniti | $2,145 |
| Lexus | $2,422 |
| Tesla | $2,427 |
| BMW | $2,459 |
| Volvo | $2,530 |
| Audi | $2,552 |
| Mercedes-Benz | $2,646 |
Common Ontario Audi Insurance Questions
How much does Audi insurance cost in Ontario?
According to MyChoice quote records, insuring an Audi in Ontario costs about $2,552 on average per year.
Are Audi’s cars dependable and safe?
Safety ratings vary by vehicle, model year, date of manufacture and equipment. For example, the Insurance Institute for Highway Safety gives the 2025 Audi Q5 and Q5 Sportback built after July 2025, the first model year of the third generation, a Top Safety Pick+ rating. This rating applies to the indicated vehicles with the indicated build dates only, so check safety features and crash-test results for your vehicle of interest.