Audi car insurance groups explained

Audi has a long standing heritage as a high quality car manufacturer. But, just because of their premium status, it doesn’t mean you need to pay a fortune to buy or insure an Audi in the UK.

Before you get a bit of Vorsprung Durch Technik in your motor, first you might be thinking about Audi insurance groups and which Audi's are the cheapest to insure. The answer depends on the model, engine size, and trim.

Here we’ll take a look at this in more detail, with everything you need to know about Audi car insurance, which models are cheapest to insure and how insurance groups work.

If you're looking to for car insurance for an Audi, get a free quote with Marshmallow today.

What is an Audi insurance group

In the UK, all cars are assigned an insurance group between 1 and 50. Group 1 is the cheapest to insure, and group 50 is the most expensive.

These groups are decided by a panel of insurers and take into account things like:

• The car’s price when new
• How powerful it is
• Cost of repairs and parts
• Safety features and security rating

So generally, a small city car like an Audi A1 1.0 might sit in a lower insurance group, while a high-performance Audi S3 will be in a much higher group.

Find out more about car insurance groups.

What insurance group is my Audi in?

Audi models can sit in very different groups depending on the engine size, trim, age, and spec. Here’s a quick overview of some popular Audi models and their typical insurance group range:

• Audi A1 insurance group: 9 to 28
• Audi A3 insurance group: 14 to 41
• Audi A4 insurance group: 19 to 43
• Audi Q2 insurance group: 14 to 31
• Audi Q3 insurance group: 20 to 40
• Audi Q5 insurance group: 24 to 45
• Audi S3 insurance group: 36 to 42
• Audi RS models insurance group: Usually 40+

What affects Audi insurance group ratings?

Every Audi model gets placed into an insurance group based on several factors:

• Engine size and power – More power usually means a higher group
• Trim level – Sportier trims (like S Line or Black Edition) often sit higher
• Cost of parts and repairs – High-end features can increase repair costs
• Safety technology – Advanced safety features can lower the group slightly
• Security rating – Cars with alarms, trackers or immobilisers may be rated lower

So even two Audi A1s from the same year might fall into different groups depending on their spec.

Read more about what affects your car insurance price.

Audi A1 insurance groups

The Audi A1 insurance group depends on the model, year, and engine size. But most A1s fall into groups 9 to 28.

Here are the typical groups based on trim and engine:

• Audi A1 1.0 TFSI SE – Insurance group 9
• Audi A1 1.4 TFSI Sport – Insurance group 16
• Audi A1 1.6 TDI S Line – Insurance group 20
• Audi A1 Citycarver 30 TFSI – Insurance group 22
• Audi A1 Sportback 40 TFSI S Line – Insurance group 28

Lower trims with smaller engines will be cheaper to insure. Sporty models or ones with bigger engines push the group number up.

Audi A3 insurance groups

The Audi A3 insurance group ranges from group 14 up to 41, depending on its engine and features. That’s a wider spread than the A1, mostly because the A3 is larger and comes in more powerful options.

Some typical examples:

• Audi A3 1.0 TFSI SE Technik – Insurance group 14
• Audi A3 1.5 TFSI S Line – Insurance group 22
• Audi A3 2.0 TDI S Line – Insurance group 25
• Audi A3 Sportback e-tron (hybrid) – Insurance group 26
• Audi S3 2.0 TFSI quattro – Insurance group 39–41

The Audi S3, being a performance model, is in a much higher insurance group than standard A3s.

Audi Q5 insurance groups

The Audi Q5 is a mid-size luxury SUV, so its insurance groups sit higher — usually 25 to 42.

Some typical examples include:

• Audi Q5 2.0 TDI SE – Insurance group 25
• Audi Q5 2.0 TFSI Sport – Insurance group 29
• Audi Q5 3.0 TDI quattro S Line – Insurance group 36
• Audi SQ5 – Insurance group 41–42

Performance, engine size, and quattro all-wheel drive push premiums up.

Audi A4 insurance groups

The Audi A4 is a premium executive saloon, so its insurance group tends to be higher than the A1 or A3. Most Audi A4 models sit in insurance groups 23 to 40, depending on the engine and other features.

Examples:

• Audi A4 2.0 TDI SE – Insurance group 23
• Audi A4 1.4 TFSI Sport – Insurance group 26
• Audi A4 2.0 TFSI S Line – Insurance group 31
• Audi S4 quattro – Insurance group 39–40

If you’re looking at A4 models, keep in mind that diesels are sometimes cheaper to insure than petrol or performance versions.

Audi Q2 insurance groups

The Audi Q2 is a compact SUV popular with city drivers and small families. Most Q2s fall in insurance groups 14 to 29.

Examples:

• Audi Q2 1.0 TFSI SE – Insurance group 14
• Audi Q2 1.5 TFSI Sport – Insurance group 20
• Audi Q2 2.0 TDI quattro S Line – Insurance group 26–29

The Q2 offers SUV styling with insurance costs closer to a hatchback – especially in lower trims.

Audi Q3 insurance groups

A step up from the Q2, the Audi Q3 is more spacious and comes with stronger engine options. That pushes insurance groups higher, generally 20 to 38.

Examples:

• Audi Q3 1.4 TFSI SE – Insurance group 20
• Audi Q3 2.0 TDI quattro Sport – Insurance group 27
• Audi Q3 2.0 TFSI Black Edition – Insurance group 32
• Audi RS Q3 – Insurance group 38

RS models are high-performance and much more expensive to insure than standard trims.

Audi TT insurance groups

The Audi TT is a sporty coupe, so expect it to be in insurance groups 30 and up – especially for newer or turbocharged versions.

Examples:

• Audi TT 1.8 TFSI Sport – Insurance group 30
• Audi TT 2.0 TFSI S Line – Insurance group 34
• Audi TT RS 2.5 TFSI quattro – Insurance group 45–47

This stylish coupe is more expensive to insure than most Audi hatchbacks or SUVs.

Which Audi is cheapest to insure?

If you’re after a cheaper Audi to insure, stick with the lower-powered A1s or entry-level A3s. These are generally more affordable for new or younger drivers.

Best options for lower insurance groups:

• Audi A1 1.0 TFSI (especially SE or Technik trim)
• Audi A3 1.0 or 1.5 TFSI SE models
• Older Audi A1 models with smaller engines

Avoid sport trims or models with turbocharged engines if you’re looking to keep insurance costs down.

Tips to get cheaper Audi insurance

Even if your Audi sits in a higher group, there are some things to consider that could bring the cost down:

• Choose a lower trim level – SE models are usually cheaper than S Line or Black Edition
• Add an experienced named driver to your policy – This can help lower the risk profile
• Increase your voluntary excess – As long as you can afford it if you claim
• Fit extra security – An approved alarm or tracker might help
• Avoid modifications – These often increase your premium

How do Audi insurance groups compare to other brands?

Audis are known for their quality and comfort, but that doesn’t always mean high insurance costs. Entry-level A1 and A3 models can actually be comparable to cars like a Ford Fiesta or Mini Cooper in terms of insurance group.

For example:

• Audi A1 1.0 TFSI – Group 9
• Ford Fiesta 1.0 Zetec – Group 10
• Mini One 1.2 – Group 11

That said, premium and performance Audis (like the A4, A6, or RS range) will be in much higher groups compared to mainstream hatchbacks.

If you’re deciding between brands, check insurance groups early, it could save you hundreds of pounds over the lifetime of the car.

Is Audi car insurance more expensive than BMW or Mercedes?

It depends on the model. Smaller Audis like the A1 are often cheaper to insure than rivals like the BMW 1 Series or Mercedes A-Class. But for performance models, Audi, BMW and Mercedes can all sit in high insurance groups.

Find out more about BMW insurance groups and Mercedes-Benz insurance groups.

Why choose Marshmallow for your Audi insurance?

At Marshmallow, we do car insurance differently, especially if you’re new to the UK. To save you money, we look at your driving history and proof of no claims from anywhere.

To see how we could help you, get a quote for your Audi today.

Frequently asked questions

What insurance group is an Audi A1?

It ranges from group 9 to 28, depending on the engine and trim.

Is an Audi A1 expensive to insure?

Not necessarily, lower-spec A1s are in relatively low insurance groups, making them cheaper to insure.

What insurance group is the Audi A3 in?

Between 14 and 41, depending on the version. S3 models are much higher.

What Audi has the lowest insurance group?

The Audi A1 1.0 TFSI SE is one of the cheapest to insure.

Do insurance groups apply to electric Audis?

Yes, electric or hybrid Audi models also get assigned an insurance group.

Can I insure an Audi with a foreign driving licence?

Yes, at Marshmallow we specialise in insuring drivers with international licences.

Can I use my international no claims bonus for Audi insurance?

With Marshmallow, yes. We accept proof of no claims discounts from outside the UK.

How long does it take to insure an Audi?

If you’ve got your details ready, it only takes a few minutes to get a quote and buy your policy online.

Common myths about insuring an Audi

Is it true all Audis are expensive to insure?

Not always. While performance models like the S3 or RS3 can land in higher insurance groups, many Audi A1 and A3 trims sit in much lower bands. The engine size, trim level, and safety features all make a big difference.

Do insurance companies avoid covering luxury brands like Audi?

No. Audi is a premium brand, but it’s widely insured in the UK. At Marshmallow we regularly cover Audi models for drivers new to the UK or with international driving history.

Will adding extras like alloy wheels or parking sensors always increase my premium?

Not necessarily. Some upgrades, especially ones that improve safety or reduce the risk of theft (like alarms or tracking devices), might actually lower your insurance cost. However, other modifications can push you into a higher risk category.

Is third-party cover always cheaper for an Audi?

Not always. There are many factors that help determine your insurance price, and fully comprehensive cover can be the same or cheaper for some drivers.

Is it harder to insure an Audi if it’s second-hand or imported?

Not usually. As long as the car is UK-registered and road legal, you should be able to get cover. Imported Audis may need a slightly more specialist quote, but they’re far from uninsurable.

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