Key Facts About Insuring an Audi in Ontario
The figures below are based on MyChoice’s proprietary online quote data collected from Audi drivers in Ontario in 2026.
| Average Audi insurance premium (Ontario): | $2,311 |
| Cheapest Audi model to insure: | Q3 ($1,918) |
| Most expensive Audi model to insure: | A6 ($2,588) |
| Cheaper alternatives to Audi for car insurance: | Mitsubishi ($1,519), Fiat ($1,612), Volkswagen ($1,644), Subaru ($1,702) |
| Audi collision rate in Ontario: | 10.7% of Audi drivers have ≥1 at-fault accident |
How Much Does it Cost to Insure Your Audi?
Location is a major driver of an Audi premium. Drivers in busy urban centres like Vaughan face well-above-average costs, while those in Hamilton and similar markets pay less than the $2,311 Ontario average.
Below are estimated average annual Audi premiums for major Ontario cities:
| City | Average Annual Insurance Premium |
|---|---|
| Brampton, ON | $3,763 |
| Scarborough, ON | $3,303 |
| Vaughan, ON | $2,932 |
| Mississauga, ON | $2,704 |
| Markham, ON | $2,563 |
| Toronto, ON | $2,545 |
| Barrie, ON | $2,296 |
| Oshawa, ON | $2,294 |
| London, ON | $2,208 |
| Windsor, ON | $2,205 |
| Thunder Bay, ON | $2,203 |
| Hamilton, ON | $2,027 |
| Sudbury, ON | $1,996 |
| Kitchener, ON | $1,962 |
| Kingston, ON | $1,884 |
| Ottawa, ON | $1,821 |
How Audi Car Insurance Costs Compare to Similar Vehicle Brands
Insurance cost is often a deciding factor when shopping across brands. Our internal Ontario quote data places Audi in a premium price band: it typically costs more to insure than Toyota, Volvo, and Honda, yet less than BMW, Mercedes, and Tesla.
Here’s how the average annual Ontario premiums stack up:
| Car Model | Average Annual Insurance Premium |
|---|---|
| Toyota | $2,209 |
| Volvo | $2,227 |
| Honda | $2,237 |
| Audi | $2,311 |
| BMW | $2,409 |
| Mercedes | $2,481 |
| Tesla | $2,520 |
Audi Car Insurance Rates Through The Years
Audi premiums have climbed steadily since 2020, rising about 47% over the period as repair costs, theft and inflation pushed Ontario rates up. After a near-flat 2020–2021, increases accelerated from 2022 onward.
Drivers should plan for $2,311 in 2026 rather than expecting decreases:
| Year | Average Annual Insurance Premium | YoY Change |
|---|---|---|
| 2020 | $1,574 | — |
| 2021 | $1,568 | -0.4% |
| 2022 | $1,833 | +16.9% |
| 2023 | $1,941 | +5.9% |
| 2024 | $2,069 | +6.6% |
| 2025 | $2,295 | +10.9% |
| 2026 | $2,311 | +0.7% |
Audi Car Insurance Rates by Model
Not every Audi costs the same to insure. In our Ontario data the Q3 is the most affordable to cover, while the A6 carries the highest premium, reflecting differences in value, repair cost and theft risk.
Here are average annual Ontario premiums by Audi model:
| Model | Average Annual Insurance Premium |
|---|---|
| Q3 | $1,918 |
| Q5 | $2,219 |
| A3 | $2,288 |
| A4 | $2,403 |
| Q7 | $2,450 |
| A5 | $2,473 |
| A6 | $2,588 |
Audi Insurance FAQs
Does Audi Have a Good Safety Rating?
Audi has a somewhat checkered past regarding safety, which is why Audi car insurance can be expensive – not to mention their high price tags given their “luxury” status.
What is the more affordable Audi car to insure?
The Audi Q3 is the most affordable model to insure in Ontario, with an annual average premium of $1,918.