There are several important decisions to make once you start shopping for Audi TT car insurance rates, after all, the amount of insurance coverage and the insurance provider you choose can impact both your driving experience and your checkbook.

As you seek an insurance policy for your Audi TT, it’s important to look at coverage necessities as well as extras or add-ons.

Your insurance costs are dependent on many variables, including your gender, age, where you live, where you park your car, and your driving history. Even your marital status may affect Audi TT insurance rates.

In order to calculate the best insurance rates for your car, you first need to understand how insurance companies think about risk as it relates to the car you drive.

How Much Does It Cost to Insure an Audi TT?

audi tt

According to, the average cost to insure an Audi TT is around $128 per month.

Insurance premiums for the Audi TT are rather reasonable compared to other sports models. Rates fluctuate due to driver- and vehicle-specific variables that influence the cost of coverage.

There are a number of elements that affect the overall insurance price of an insurance policy. Below is a breakdown of these key factors as well as what you should keep in mind if you own an Audi TT Coupe or Roadster.

Audi TT Safety Rating & Damage Threshold

Established in 1970, the National Highway Traffic Safety Administration (NHTSA), studies nearly 6 million accidents yearly.

Auto insurance companies depend on NHTSA reports and on standards prescribed by the Insurance Institute for Highway Safety (IIHS) when setting rate schedules for vehicle insurance.

While IIHS rates cars from “good” to “poor,” NHTSA uses a five-star rating system based on crashworthiness and rollover safety.

Unfortunately, the four 2020 Audi TT models have not been rated by NHTSA, and models as far back as 2011 show no record of results.

This lack of data may reflect negatively on your car insurance rates.

Vehicle Name Overall Rating Frontal Crash Rating Side Crash Rating Rollover Rating
2020 Audi TT Roadster Not Rated Not Rated Not Rated Not Rated
2020 Audi TT Coupe Not Rated Not Rated Not Rated Not Rated
2020 Audi TTS Coupe Not Rated Not Rated Not Rated Not Rated
2020 Audi TT RS Coupe Not Rated Not Rated Not Rated Not Rated


Audi TT Comprehensive & Collision Insurance

The overall cash value of your new car affects the price of vehicle insurance when it comes to comprehensive and collision coverage.

According to the Kelley Blue Book, the fair purchase price for the Audi TTS Coupe in Omaha, Nebraska is $49,886. Below are both the fair purchase price and the out-the-door target price for all four models of the Audi TT.

The out-the-door target price is often referred to as “TT & L,” or tax, title, and license, meaning state and local sales taxes are included, as well as Department of Motor Vehicles fees.

As you can see a new Audi TT is slightly higher priced than the average vehicle which may result in higher rates for all types of car insurance: comprehensive, collision and liability insurance to name a few.

Vehicle Name Fair Purchase Price Out-the-door Target Price
2018 TT Roadster $44,899 $49,137
2018 TT Coupe $41,483 $45,465
2018 TTS Coupe $49,886 $54,498
2018 TT RS $60,453 $65,858

Audi TT Claims Frequency & Potential to Cause Damage

Claims frequency and damage potential affect car insurance pricing due to rising costs for insurers due to bodily injury, property damage, personal injury protection, and other factors.

The Audi TT 2dr 4WD and Audi TTS 2dr 4WD were tested by the Insurance Institute for Highway Safeway and both models received a slightly worse than average (100) rating of 114 and 124 respectively in collision losses.

However, in the small sports car class, they performed significantly better than the Porsche Boxster Convertible (144).

Make and Model

Car insurance companies weigh the make and model of the vehicle you choose the heaviest when determining your insurance quotes. Let’s break those two down. The make is the brand of the car, in this case, Audi. The model and model year are also important.

Companies like Geico and Allstate will adjust your car insurance quotes based on the age of your car and the specific type of car within your brand. Also, the trim package you choose will increase your rate.

For example, the more luxurious the styling, the higher your overall MSRP is–equalling higher car insurance rates. The two door Audi TT AWD trim package has a higher performing engine than the standard, slightly increasing the cost of your premiums.

Audi TT Insurance Discounts

There are several ways to obtain discounts on automobile insurance, including bundling it with your homeowner’s or life insurance policies. Your Audi TT offers special safety features or equipment that may lower your costs as well.

All TT models are equipped with pre-tensioners (automatic tightening of seat belts, as needed), anti-lock brakes, stability control, front- and side-impact air bags, and knee air bags for occupants.

Safe drivers -those who’ve had few infractions or motor vehicle accidents (a clean driving record) – can often obtain car insurance at lower rates, especially with companies like State Farm offering Steer Clear programs.

Additionally, a wide variety of organizations provide members with discounts in car insurance so if you’re a member of a group that provides this benefit (for example, the U.S. military, unions, veterans, AARP, or other groups) you could decrease your expenses this way as well.

Finally, raising your deductible will lower insurance costs, however, you may end up paying more if you have an accident.

Audi TT Theft Rate

The National Insurance Crime Bureau (NICB) issues annual reports for car models with high theft rates. The latest report available is 2017, and the Audi TT is not among the 10 most frequently stolen vehicles which may help reduce rates.

In addition, insurance carriers sometimes offer discounts for cars with alarm systems and other anti-theft devices.

Piggybacking on this notion, auto insurance companies also assign rates based on your location. For example, car insurance rates on the Audi TT in New York will most likely be more than say, rural Mississippi.

What are the Best Companies for Audi TT Insurance?

As with any other major purchase, it pays to shop around for automobile insurance.

You should get at least three different free quotes and read user reviews. Keep in mind to get that quote, you may need to give the agent some personal information, but always be sure the agent has a valid license. Some questions you may want to ask include:

  • Do you offer any discounts, such as a good driver discount or a price break for those who don’t drive very far or very often?
  • Do you have flexible payment options to fit individual needs?
  • Is there a “pay-back” plan for a certain length of accident-free driving time?

What to Know About the Audi TT

The two-door Audi TT has been on the market since 1998. The Roadster and Coupe feature front-wheel drive or Quattro® all-wheel drive and independent front suspension.

First introduced as a concept car at the 1995 Frankfurt Motor Show, the TT is manufactured in Germany and Hungary. The TT gets its distinctive title from the British Isle of Man TT (Tourist Trophy).

With a bit of research and by asking the right questions, you should be able to get the right insurance package for your Audi TT and save a little money in the long run.