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.
Using MyChoice’s internal quote data, this guide compares insurance costs across Audi models and Ontario cities, examines new-versus-used estimates and benchmarks Audi against other premium brands. Collision and comprehensive coverage are optional unless required by a lender or leasing company, but both are recommended due to high replacement costs, particularly if the vehicle is newer. Confirm deductibles, rental transportation coverage, depreciation-waiver eligibility and policy terms with your insurer or broker.
Audi Insurance Costs at a Glance
At $2,552, Audi’s median annual Ontario premium is 9% above the $2,345 all-vehicle benchmark. The Q5 figures alone range from $1,952 for the Q5 AWD to $2,889 for the Q5 Progressiv 45, a $937 spread. A shared nameplate does not make different trims and model years interchangeable for rating, so include the full vehicle details when requesting quotes.
| 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
Our city-specific median quote data highlights a significant difference between two vehicles from the same model year. A 2014 Q5 in Toronto has an annual premium of $2,044, compared with $5,071 for a 2014 A4 in Brampton, a difference of $3,027.
| 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
A used Audi may be slightly cheaper to insure than a new one, with an estimated annual premium of $2,447 for used compared with $2,629 for new. This estimate reflects a general relationship between vehicle age and insurance costs rather than the depreciation of a specific Audi. Actual premiums will depend on the vehicle, financing requirements, coverage, deductible, and policy terms.
| Vehicle | Median Annual Car Insurance Premium |
|---|---|
| New Audi | $2,629 |
| Used Audi | $2,447 |
Audi Insurance Against Other Premium Makes
Audi’s median annual premium of $2,552 is $22 higher than Volvo, $93 higher than BMW, and $94 lower than Mercedes-Benz. These small differences suggest that Audi costs about the same to insure as comparable premium brands. To determine which brand is cheaper for you, compare similar models using the same driver profile, coverage limits, and deductibles.
| 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?
Audi insurance costs approximately $2,552 per year in Ontario, based on MyChoice’s internal quote data.
Are Audi’s cars dependable and safe?
According to J.D. Power’s 2026 U.S. Vehicle Dependability Study, Audi rates among the worst brands for overall reliability. Safety ratings differ by model, model year, build date and equipment. The Insurance Institute for Highway Safety (IIHS) named the 2025 Audi Q5 and Q5 Sportback, the first model year of the third generation, a Top Safety Pick+ for units built after July 2025. That result applies to the specified vehicles and build dates. Research the specific safety equipment and testing results for the model you’re considering.