Audi Car Insurance

If you’re an Audi driver, you need insurance. Keep reading to learn more about Audi car insurance, including how BrokerLink can help you find it.

What to know about Audi

  • Audi was founded in Germany in 1909, making the brand 113 years old.
  • Audi was founded by automotive pioneer August Horch, who originally named the company the August Horch Automobilwerke. After a short time, the company’s name was changed to Audi (Audi is the Latin translation of Horch, his last name).
  • The four rings seen on the grille of Audi vehicles represent the merger of four companies that led to the creation of the Auto Union: Audi, Horch, DKW, and Wanderer.
  • Audi was the first automobile company to crash test their vehicles (the first crash test dates back to 1938).

Audi auto insurance rates

Audi car insurance rates depend on many factors, some of which relate to the vehicle itself and many which don’t. For example, an insurance company will consider the make, model, and year of the vehicle, as well as its trim level and whether it is outfitted with any safety or anti-theft devices. However, they will also consider many other factors, like a driver’s age, location, claims history, and driving history. Therefore, the make of the car alone does not dictate the insurance premium. That said, since Audi is a luxury brand, car insurance tends to cost more since replacing or repairing a damaged Audi would be more than a vehicle of lower value. Luckily, as a cutting-edge brand, Audi vehicles are usually equipped with top-of-the-line safety features, which could help reduce your premium.

How auto insurance companies calculate Audi insurance premiums

As mentioned, the make, model, and year of the vehicle you drive will affect your insurance premium, but so will many other factors. Audi drivers might find it helpful to understand which details matter when it comes to car insurance rates in Canada. We have compiled a list of important factors below:

  • Location
  • Age
  • Driving record
  • Driving experience
  • Past claims
  • Annual mileage
  • Prior insurance coverage
  • Your deductible
  • Local laws
  • How you use your vehicle
  • Marital status

Car insurance coverage for Audi drivers

Car insurance in Canada is designed to protect you and your vehicle from harm. That is why auto insurance is mandatory throughout Canada. No matter what model of Audi you drive, you will need to purchase a valid car insurance policy in your province. Coverage requirements vary by province and coverage needs vary by driver. For example, although comprehensive coverage is not mandatory in Canada, Audi drivers might find it worthwhile due to the high value of their vehicles. Keep reading to learn more about mandatory and optional car insurance coverage for Audi drivers:

Third party liability coverage

Third party liability coverage is compulsory in Canada. It protects the policyholder if they are injured or their Audi vehicle is damaged in an accident that they caused. Beyond medical bills and vehicle repairs, liability coverage can also help pay for legal counsel, court fees, and more. Minimum coverage requirements for third party liability vary by province, and you will need to make sure your Audi auto insurance policy meets them. For example, in Ontario and Alberta, Audi drivers must have no less than $200,000 in third party liability coverage.

Accident benefits coverage

Accident benefits coverage is another type of mandatory auto insurance coverage in Canada. It protects the policyholder if they, a passenger, or a pedestrian require medical attention following a collision. Regardless of which party is at fault for the accident, the policyholder can still receive compensation to pay for medical expenses under the accident benefits portion of their policy.

Comprehensive coverage

Comprehensive coverage offers financial protection against non-collision-related incidents, such as theft, vandalism, fire, falling objects, water damage, and more. This optional coverage type is popular among Audi drivers due to the peace of mind it provides. For example, it can protect your vehicle while it is parked.

Collision coverage

Collision coverage protects the policyholder if they are in an accident with another vehicle or object. It covers the policyholder regardless of whether they are at fault for the accident and provides compensation for property damage resulting from the accident. Collision coverage is optional but worthwhile for many Audi drivers.

Uninsured automobile coverage

Uninsured automobile coverage is another type of mandatory coverage in Canada. It protects the policyholder and any passengers in their vehicle if they get into a collision with an at-fault driver who is either uninsured or underinsured. It can also protect Audi drivers against hit-and-run incidents.

Accident forgiveness coverage

One final type of optional car insurance coverage is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.

Tips to save money on Audi car insurance

Car insurance should never break the bank. That’s why the experts at BrokerLink have put together this list of money-saving tips that could save you money on your next Audi auto insurance policy:

Increase your policy deductible

Increasing your policy deductible often lowers your insurance premium, which makes it an effective method of saving money on car insurance. A deductible is the amount of money the policyholder is responsible for paying toward an insured loss before the insurance company steps in. Although raising it, even by as little as $500 or $1,000, is likely to reduce your rate, you should not do so if you cannot afford it. Get in touch with BrokerLink to speak with a knowledgeable insurance broker and learn more about the effects of increasing your Audi car insurance deductible.

Choose annual over monthly insurance payments

A second tip for saving money on Audi car insurance is to pay for your policy annually rather than monthly. Many insurance companies give you the option of paying in one annual installment or twelve monthly installments. But the issue with paying in twelve monthly installments is that many insurers charge administrative fees for each payment made. Therefore, paying for your policy all at once typically ends up being cheaper than paying a small amount every month.

Bundle multiple insurance policies together

Another tip for saving money on Audi car insurance is to bundle multiple insurance policies together. Insurance providers like to reward loyalty, which is why policyholders who buy more than one policy from them may be eligible for a discount. Therefore, if you are looking to insure multiple cars in your household (e.g. your car and your spouse’s car - whether the other vehicle is an Audi or not), or buy Audi car insurance on top of another type of insurance, such as business insurance or recreational vehicle insurance, we suggest purchasing it all from the same insurance company. Doing so could save you up to 15% per policy. Contact BrokerLink to learn more about the Audi car insurance savings that may come with bundling policies.

Install winter tires on your car

Installing winter tires on your Audi vehicle is another money-saving tip. Winter tires are not mandatory in all Canadian provinces and territories, but installing them on your Audi car might make you eligible for an auto insurance discount of up to 5%. This is because insurance providers recognize that snow tires have superior capabilities during the winter, thereby reducing your odds of getting into an accident during the cold months. If you are interested in a winter tire car insurance discount for your Audi, call BrokerLink today. One of our insurance advisors can inform you about the specific conditions that must be met to qualify for such a discount (e.g. some insurance companies stipulate that all four winter tires must be the same model or that the tires must remain on your vehicle for a set time period).

Buy a hybrid or electric vehicle

Buying a hybrid or electric vehicle (EV) is another tip for saving money on Audi car insurance. Currently, Audi sells several electric and hybrid models in Canada, including the Q4 e-tron, e-tron Sportback, and Q5 PHEV. By driving one of these, you may be eligible for a discount of up to 10%.

Enrol in driving school

Enrolling in an approved driving school in your province is one last way for Audi drivers (especially young Audi drivers) to save money on auto insurance. There are recognized driving schools all over the country, and completing one of them can result in savings. This is because insurance providers recognize that taking driving lessons from a professional makes you a better, more responsible driver, thereby decreasing your odds of getting into an accident.

Contact BrokerLink for a free Audi car insurance quote

Do you want to purchase car insurance for your Audi? BrokerLink makes shopping for car insurance easier than ever before. We will work to find you a great policy at an affordable price.
Kickstart your auto insurance journey today by contacting BrokerLink. We can be reached by phone, email, or in person at any one of our locations in Canada. No matter how you get in touch, an experienced insurance advisor will be pleased to assist you. You can also get started now by taking advantage of BrokerLink’s free auto insurance tool. Simply enter some basic information about yourself and your Audi vehicle, and we will provide you with a free car insurance quote in minutes.

Get an auto insurance quote [phone]


Why buy Audi car insurance through an insurance broker?

Audi drivers can purchase car insurance through an insurance broker or directly with an insurance company. Although the latter might seem more convenient, the former offers so many benefits. For example, brokers work independently of insurance companies, which means you can count on us to provide unbiased, objective advice on the best car insurance policy for your family. We will also help unlock discounts and compare rates on your behalf to find you the most affordable policy. Further, insurance brokers do the work for you. All you have to do is tell us what kind of coverage you’re looking for, and we’ll get to work, obtaining and comparing quotes behind the scenes. Finally, insurance brokers are experts in a wide range of insurance products.

Is Audi insurance required in Canada?

Yes, auto insurance is mandatory in Canada no matter what kind of car you drive. Each province and territory has its own auto insurance requirements, so you will need to ensure you purchase a policy that complies with local laws. For example, in Ontario, all Audi drivers are required to purchase policies that feature no less than $200,000 in third party liability coverage, uninsured automobile coverage, accident benefits coverage, and direct compensation - property damage coverage.

Is it safe to buy Audi insurance online?

Yes, it is perfectly safe to buy car insurance online and you can often do so through an insurance provider or broker.

For more FAQs, visit the BrokerLink FAQs page.

*This article is in no way sponsored, endorsed, or associated with Audi.

More ways to find a great car insurance rate

By driver:

By vehicle type:

By manufacturer:

By province:

By city:


Newfoundland and Labrador

New Brunswick

Nova Scotia