Audi vs. BMW Auto Insurance (2024)

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 on 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.

Audi Insurance Cost

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. For example, Audi a4 insurance cost is typically cheaper, due to it being a less expensive vehicle. If you’re looking for the cheapest Audi to insure, it would be best to go with an older, base model.

Read More: Compare Auto Insurance Rates by Vehicle Make and Model

Audi car insurance price is typically lower for models made in the early 2000s. 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. An early 2000s model Audi maintenance cost is also lower than that of a newer vehicle.

You must understand what factors influence the typical Audi car insurance price when you’re considering purchasing Audi car insurance. The average car insurance for Audi cost can vary based on the factors that insurers base their costs on.

Finding cheap Audi insurance requires strategic thinking, because you may qualify for discounts for things like multiple policies and a positive driving record. Obtain multiple quotes to compare the Audi insurance price from different insurance agencies. The best car insurance for Audi might be found using online comparison tools.

Securing the proper car insurance for Audi involves figuring out the most cost-effective policy. One way to do this is by shopping with multiple insurers using an online service.

Choosing the right insurance for Audi can protect drivers from the unexpected. While the Audi car insurance price is higher than insurance for standard vehicles, affordability while safeguarding your investment is still possible.

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BMW Insurance Cost

Similar to Audi, BMW offers a wide variety of vehicle models, which means an even wider range of cheap BMW insurance options. The 4-door wagons and sedans will always garner the lowest BMW insurance rates.

Models like the X3 the 128i, being safer models, usually cost around $125/mo and are some of the cheapest BMW to insure. 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, if you’re looking for the cheapest BMW insurance, 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.

When it comes to BMW car insurance cost, you must realize that insuring a luxury vehicle is typically more expensive than a standard car. The average BMW insurance cost reflects the high value of these vehicles.

To get the best BMW car insurance quote you should shop around by comparing offers from different insurance providers. Each insurer varies on policies, which can cause variation in your BMW car insurance price. To ensure the quote reflects the actual cost to insure a BMW, provide accurate information to the insurer.

Despite higher costs, it is possible to find cheap BMW car insurance with discounts. Insurers offer discounts for bundling policies, clean driving records, installing safety devices in the vehicle, or you can lower your rate by increasing the deductible. Exploring options such as these can lower your BMW car insurance cost.

The cost to insure a BMW can be a significant investment. By receiving multiple BMW car insurance quotes and considering your available options, you can find both adequate coverage and affordability.

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. This may make some look for the cheapest luxury SUV to insure to limit potential costs.

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. Those looking to buy a high speed vehicle may be interested in researching the best sports cars with cheap insurance before they make a purchase.

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.

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 BMW or Audi car insurance rates is to shop around.

Before you start making cold calls to receive a BMW or Audi car insurance quote, 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.

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