Audi vs. BMW Auto Insurance (2024)
Audi auto insurance costs up to $150/mo, while a BMW can cost as much as $275/mo. However, many ways exist to lower your rates and find cheap insurance for your BMW or Audi. Below, we'll overview coverage options and rates and help you see whether Audi vs. BMW auto insurance is right for you.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Mar 4, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 4, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The type of car you drive affects the cost of your monthly premium
- Luxury cars are usually more expensive to insure than economy cars
- The size of your car also plays a part in determining your premiums
Getting a quote is the best way to find out your Audi vs. BMW auto insurance rates. You can pay as much as $150/mo to insure an Audi, while a BMW tops $275/mo. While the cost of luxury auto insurance can be overwhelmingly high, there are some ways to find affordable insurance for both vehicles.
One of the key factors in premium costs is the car that you drive. From engine size and horsepower to theft likelihood and insurance loss data, your vehicle will drastically impact the price you pay for auto insurance.
Find incredible auto insurance quotes when you enter your ZIP code into the free comparison tool above.
Cost of Audi Auto Insurance
You can expect to pay up to $150 monthly for full coverage auto insurance on your Audi.
Understanding the above criteria, you can see how insurance prices, even among a single car company, will vary greatly. Audi makes a wide range of vehicles, from luxury crossovers to sports vehicles.
Remember, though, that Audi does produce a wide range of vehicle types. From the Audi A4 sedan to the R8 supercar, insurance prices will scale the breadth of prices. It depends on the factors of the vehicle itself.
Read More: Compare Auto Insurance Rates by Vehicle Make and Model
Thankfully, Audis made before the mid-2000s have rated quite well on safety tests. On average, a relatively inexpensive Audi model will probably cost the same to insure as another similar vehicle make.
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Cost of BMW Auto Insurance
Similar to Audi, BMW offers a wide variety of vehicle models, which means an even wider range of BMW auto insurance prices. The 4-door wagons and sedans will always garner the lowest insurance prices.
Models like the X3 the 128i, being safer models, usually cost around $125/mo. On the other hand, the BMW 750, a very powerful supercar, is one of the most expensive vehicles to insure, averaging anywhere in between $234 to $275 monthly.
Again, comparing car companies regarding insurance costs is a little ridiculous, simply because of the variables involved. Every vehicle is different, so remember the various factors each vehicle will bring to the insurance table before making a final decision on the car you drive.
Ways Your Vehicle Can Impact Insurance Costs
The type of vehicle you drive will affect insurance costs. Since the best auto insurance companies produce their own ratings for vehicles, the premium prices will vary. However, there are a few commonalities between insurance providers that will guarantee higher premiums among vehicle types.
For starters, the engine size will greatly impact insurance rates. At the most basic level, bigger engines will yield costlier auto insurance. Even among SUVs, which mostly rate lower on the insurance scale, larger engines will mean greater risk for accidents and tickets.
Outside of engine size, the horsepower of a vehicle will also garner higher insurance rates.
Every insurance company will determine rates based on their perceived risk of insuring the driver. If your vehicle has the capability of achieving high speeds because of high horsepower, you can guarantee to pay more for insurance.
If your car goes fast, the insurance provider will bet that you’re driving fast. This means you are more likely to receive tickets or be in an accident, which puts you at higher risk.
Also, the size of the vehicle will also impact insurance rates. If your vehicle is a tiny sports car, designed to achieve high speeds and has incredible maneuverability, you will pay more for insurance.
Theft Rates, Safety Rating, and Cost of Vehicle
Even though SUVs and pickup trucks are bigger than sports cars, they can also have high insurance rates. If your vehicle would cause maximum damage in the event of an accident, the insurance company will charge you more for insurance. In the world of auto insurance, size does matter!
Typically, older cars will cost less to insure. However, the likelihood of theft for your vehicle also will impact insurance rates.
The National Insurance Crime Bureau has released a new consumer awareness campaign called Hot Wheels, which tracks and lists the most commonly stolen vehicles throughout the United States.
In addition to theft rating, safety ratings will also affect insurance prices. The National Highway Traffic Safety Administration has an easy-to-use database that delivers five-star crash-test ratings for many vehicles.Michelle Robbins Licensed Insurance Agent
If your vehicle tests poorly on safety ratings, you’ll pay more for auto coverage.
Finally, the cost of your vehicle is an unknown but important factor for insurance rates. Knowing your vehicle’s current market value is very important before you start shopping for insurance.
If you happen to drive a vehicle that would be expensive to fix, an insurance company will charge you more than a less expensive vehicle of the same model.
Even vehicles of the same model will vary insurance costs. If you have a vehicle will every available option, custom trim, and a more powerful engine, you will pay more for coverage than the stock version of the same model.
Just remember, insurance companies evaluate risk, and costlier vehicles will mean higher expenses to fix.
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Other Factors that Impact Auto Insurance
The auto insurance industry is ever changing and always in constant competition for quality rates and prices. Because every driver on the road is obligated to buy insurance by law, every insurance provider wants your money and commitment.
The best way to find quality, affordable insurance for either your Audi or BMW is to shop around.
Before you start making cold calls to insurance companies, you must have some education on how companies create premium prices. Even though the vehicle you drive is important, other factors can increase your rate. Even if you are driving a used, safe four-door sedan with a smaller engine, you may still pay a bundle for insurance.
One factor that almost every driver is aware of is your driving history. If insurance companies base their rates on risk factor, your history is the primary way they decide your risk to insure.
If you have a slew of tickets and accidents on your record, it will not matter if you drive a minivan. You will pay more for insurance if your record is terrible.
With that in mind, be vigilant and start driving safely now. You can save a bunch of money on insurance if you have a clean record.
Sadly, if you have a poor driving record and want to drive a luxury vehicle, you may be paying just as much for a monthly insurance premium as an auto loan payment.
Another factor that dictates insurance rates is your credit history. Some people may wonder how your credit score can affect insurance rates.
Insurance companies have researched and found that drivers with poor credit scores are also more likely to file claims and get in accidents.
It seems that responsibility with your credit impacts a wide range of things, like auto insurance. Paying your bills on time and keeping your debt ratio balanced are great ways to maintain a high score.
In addition to these factors, there are some that you cannot control. According to J.D. Power and Associates, young males are typically the most expensive to insure. Again, insurance providers base prices on risk.
Young males have the highest percentage of accidents among gender and age groups. However, a young, male driver with a spotty record is even more expensive to insure. You can always find cheap auto insurance for teens after an accident by shopping around.
Age will also have a large impact on insurance costs. Customers between the ages of 30-40 are usually the cheapest to insure, with rates rising again when you become a senior citizen. You cannot control these factors, but being educated can help you find the lowest insurance rates around.
Type of Coverage
If you are insuring your Audi or BMW, you may also want to consider the type of auto insurance coverage you purchase. Additional options like collision vs. comprehensive auto insurance can be expensive, but it may be necessary on newer vehicles.
In addition, the amount you decide to pay for your deductible will also affect your premium. If you can afford to have a higher auto insurance deductible and pay more out-of-pocket, you’ll have a lower monthly payment.
Finally, some vehicles come equipped with standard anti-theft features and other safety features. In fact, many newer Audi and MBW models come with a wide range of safety features in their stock models.
Read More: How to Get an Anti-Theft Auto Insurance Discount
Compare Audi vs. BMW Auto Insurance Rates to Find the Best Rates
Finding insurance can be a difficult task, especially with a luxury car company like Audi and BMW. However, there are some consistent factors between makes and models that you can control when purchasing insurance.
BMW drivers, did you know your car's model may affect insurance rates by almost $100? Driving habits also make a difference, so don't get caught spinning donuts. https://t.co/27f1xf1ARb has a guide to help find the best insurance👍. Check it out here👉: https://t.co/ujuTxNcml2 pic.twitter.com/AYObLn8pYA
— AutoInsurance.org (@AutoInsurance) October 16, 2023
Staying educated on the ins and outs of auto insurance is a great way to find great prices. The most important thing to remember is to shop around for multiple quotes. You can start receiving car insurance quotes right here by entering your ZIP code into the free box below.
Frequently Asked Questions
Is a BMW or Audi more expensive to insure?
Generally, BMWs are much more expensive to insure as a high-end luxury brand.
Is Audi high on insurance?
Expect to pay up to $150 monthly for full coverage on an Audi.
What factors can impact the cost of auto insurance for luxury cars like Audi and BMW?
Several factors can impact the cost of auto insurance for luxury cars. These factors include the type of vehicle, engine size, horsepower, size of the vehicle, theft rates, safety ratings, and the cost of the vehicle itself.
What is the estimated cost of auto insurance for Audi vehicles?
The cost of auto insurance for Audi vehicles can vary depending on the specific model and other factors. Based on national averages for a driver with a clean history, most Audis will cost between $125 and $150 to insure monthly. However, insurance prices can be influenced by additional factors such as age, gender, credit history, and location.
What is the estimated cost of auto insurance for BMW vehicles?
Similar to Audi, the cost of auto insurance for BMW vehicles varies depending on the model and other factors. The 4-door wagons and sedans usually have lower insurance prices, averaging around $125 monthly. However, high-performance models like the BMW 750 can be more expensive to insure, with average costs ranging from $233 to $275 monthly.
What other factors can impact auto insurance rates?
In addition to vehicle-related factors, there are other factors that can impact auto insurance rates. These include driving history (e.g., tickets, accidents), credit history, age, and gender.
Should I consider the type of coverage and deductible when insuring my Audi or BMW?
Yes, it is important to consider the type of coverage and deductible when insuring your Audi or BMW. Comprehensive and collision coverage may be necessary for newer vehicles, but they can be more expensive. Choosing a higher deductible can lower your monthly payment, but it means you’ll pay more out-of-pocket in the event of a claim.
Are there any resources available to help me understand auto insurance and find the best prices?
Yes, The Insurance Information Institute and other similar agencies provide valuable information and resources. Additionally, shopping around for multiple quotes from different insurance providers can help you find competitive rates. Enter your ZIP code into our free quote tool to obtain rates from multiple top-rated insurance providers.
Which BMW is cheapest to insure?
The BMW 1 Series, a low-cost BMW, is one of the most affordable models to insure.
Is BMW 3 Series insurance expensive?
Since the BMW 3 Series has a powerful engine and a high MSRP, it can cost well over $200 monthly to insure.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.