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Audi car insurance in the UAE
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Regulated by the Central Bank of the UAE
Regulated by the Central Bank of the UAE
Audi car insurance in the UAE is a motor policy priced for your specific Audi model, its value and your driving record. Every Audi on UAE roads must carry at least third-party liability cover, and most owners add comprehensive cover to protect the car itself. On Lookinsure, comprehensive Audi auto insurance starts at AED 1,120 a year and third-party cover starts at AED 600, based on quotes from UAE insurers.
Audi is the Volkswagen Group's luxury German brand, and its cars carry the repair bills that come with that: LED matrix headlights, radar sensors behind the bumpers and cameras in the windscreen all add to the cost of a claim. To see what that means for your car, check the figures for your model below, then buy motor insurance online with your plate number.
Audi insurance cost per model in the UAE
Comprehensive cover for an Audi A3, A4 or A6 starts at AED 1,120 a year on Lookinsure.
Comprehensive cover for an Audi Q5 or Q7 starts at AED 1,600 a year.
Third-party cover starts at AED 600 a year for the sedans and AED 780 for the SUVs.
As a rule of thumb, comprehensive Audi car insurance costs about twice the third-party premium for the same model. The table below shows the cheapest quotes per model; the sections after it list the three lowest quotes from each insurer.
Audi model | Comprehensive from | Third-party from |
Audi A3 | AED 1,120 | AED 600 |
Audi A4 | AED 1,120 | AED 600 |
Audi A6 | AED 1,120 | AED 600 |
Audi Q5 | AED 1,600 | AED 780 |
Audi Q7 | AED 1,600 | AED 790 |
These Audi car insurance prices are annual premiums quoted on Lookinsure for one driver profile, rounded to the nearest dirham. Your own Audi car insurance premium will move with the car's age and insured value, your licence history and your claims record, so treat them as a starting point rather than a fixed price. Lookinsure's guide to the factors that affect your car insurance premium explains each one.
Audi A3 insurance cost
The Audi A3 is the cheapest Audi to insure in these quotes. Comprehensive cover runs from AED 1,120 to AED 1,445, and third-party cover from AED 600 to AED 630.
Insurer | Cover type | Annual premium |
Methaq | Comprehensive | AED 1,120 |
Adamjee Insurance | Comprehensive | AED 1,375 |
Insurance House | Comprehensive | AED 1,445 |
Methaq | Third-party | AED 600 |
RAK Insurance | Third-party | AED 600 |
Insurance House | Third-party | AED 630 |
Audi A4 insurance cost
The Audi A4 starts at the same AED 1,120 for comprehensive cover, with a different third quote: Union Insurance at AED 1,500. Third-party cover runs from AED 600 to AED 630.
Insurer | Cover type | Annual premium |
Methaq | Comprehensive | AED 1,120 |
Insurance House | Comprehensive | AED 1,445 |
Union Insurance | Comprehensive | AED 1,500 |
Methaq | Third-party | AED 600 |
RAK Insurance | Third-party | AED 600 |
Insurance House | Third-party | AED 630 |
Many A4s on UAE roads are a few years old. The insured value of an older car is lower, so a 2018 Audi A4 usually costs less to insure comprehensively than a new one, although some insurers stop offering agency repair once a car passes a certain age. Lookinsure's breakdown of car insurance cost by vehicle age shows how premiums change as a car gets older.
Audi A6 insurance cost
Audi A6 insurance starts at AED 1,120 for comprehensive cover and AED 600 for third-party, the same starting prices as the smaller A3. The executive sedan does not cost more to insure at the lowest end of the market, which makes comparing quotes worth doing before you renew.
Insurer | Cover type | Annual premium |
Methaq | Comprehensive | AED 1,120 |
Adamjee Insurance | Comprehensive | AED 1,375 |
Insurance House | Comprehensive | AED 1,445 |
Methaq | Third-party | AED 600 |
RAK Insurance | Third-party | AED 600 |
Insurance House | Third-party | AED 630 |
Audi Q5 insurance cost
The Audi Q5 costs about 43% more than the sedans to insure comprehensively. Its cheapest comprehensive quote is AED 1,600, and third-party cover runs from AED 780 to AED 800.
Insurer | Cover type | Annual premium |
Methaq | Comprehensive | AED 1,600 |
Orient Insurance | Comprehensive | AED 1,625 |
RAK Insurance | Comprehensive | AED 1,749 |
RAK Insurance | Third-party | AED 780 |
Fidelity United | Third-party | AED 800 |
Methaq | Third-party | AED 800 |
Audi Q7 insurance cost
The seven-seat Audi Q7 starts at the same AED 1,600 as the Q5 for comprehensive cover. The gap opens further down the list, where the third quote is AED 1,785. Third-party cover runs from AED 790 to AED 800.
Insurer | Cover type | Annual premium |
Methaq | Comprehensive | AED 1,600 |
Orient Insurance | Comprehensive | AED 1,634 |
Insurance House | Comprehensive | AED 1,785 |
RAK Insurance | Third-party | AED 790 |
Fidelity United | Third-party | AED 800 |
Methaq | Third-party | AED 800 |
Insuring the rest of the Audi range
For the Q8, A8, RS models and the R8, expect the Audi motor insurance cost to be higher than the figures above. These cars have a higher insured value, and RS and R8 models are rated as high-performance cars, so request a quote for your exact model rather than relying on these prices. Lookinsure's guide to sports car insurance explains how insurers price performance models.
The electric e-tron range is insured on the same comprehensive or third-party policies as petrol Audis, but battery and charging-system damage need checking in the policy wording. Read more on electric car insurance in the UAE before you buy cover for an e-tron or Q8 e-tron.
What is Audi car insurance?
Audi car insurance is a standard UAE motor policy, either comprehensive or third-party, underwritten for an Audi. It is not a separate product. The policy wording follows the Unified Motor Vehicle Insurance Policy issued by the UAE insurance regulator, now the Central Bank of the UAE, and each insurer prices the risk using the Audi's model, value and repair costs.
What sets Audi vehicle insurance apart is the claim cost. Genuine parts, sensor calibration after a bumper or windscreen repair, and agency labour rates push repair bills above those for mass-market cars. For the general rules on insuring expensive cars, see Lookinsure's guide to high-value car insurance.
Are Audis expensive to insure in the UAE?
No, not at the entry level. A comprehensive policy for an Audi A3, A4 or A6 starts at AED 1,120 a year on Lookinsure. The SUVs, high-performance RS models and cars insured with agency repair cost more, so the real cost of Audi car insurance in the UAE depends on which Audi you drive and which repair tier you choose.
Types of Audi car insurance
There are two types of Audi car insurance in the UAE, comprehensive and third-party, and every Audi car insurance plan you compare is one or the other. Add-ons sit on top of either one, though most are only sold with comprehensive plans.
Comprehensive Audi car insurance
Comprehensive Audi car insurance pays to repair or replace your own car after an accident, whether or not you caused it, and covers theft and fire. Most policies also cover storm and flood damage; check the wording. It includes all the third-party liability the law requires. Lookinsure's comprehensive car insurance page compares full-cover plans from UAE insurers.
Third-party Audi car insurance
Third-party Audi car insurance is the legal minimum in the UAE. It pays for injury to other people and damage to their property when you are at fault, but nothing towards your own Audi. It is the cheapest way to insure an Audi, from AED 600 a year for the sedans. Compare plans on the third-party car insurance page.
Which should you choose?
Choose comprehensive if
Your Audi is financed or leased, is new or still under warranty, or would cost more to repair after a crash than the premium difference. Lenders in the UAE normally require comprehensive cover on a financed car.
Choose third-party if
Your Audi is older, owned outright, and worth little enough that you could pay for its repair or replacement yourself.
Gap cover for financed and leased Audis
If an Audi is written off or stolen, a comprehensive policy pays its market value at the time of the claim, which can be less than the amount still owed to the bank. Gap insurance pays that difference. Not every UAE insurer offers it, so ask before you buy, and read Lookinsure's explainer on gap insurance to see when it is worth paying for.
Agency repair or garage repair for an Audi?
Choose agency repair if your Audi is new or still under the manufacturer's warranty. With agency repair, an insurer sends the car to the authorised Audi dealer workshop, which uses genuine parts and calibrates the driver-assistance sensors to factory standard. With garage repair, the car goes to an approved independent workshop. That is cheaper to insure, but the parts and workmanship are not the dealer's.
Insurers usually offer agency repair only during a car's first few years, often up to three to five years from first registration, and it raises the premium. Before you choose a garage-repair plan, check where the insurer would send your car using the insurer garage and agency lists, and compare them with the Audi service centres in the UAE.
What Audi car insurance covers: inclusions and exclusions
What your Audi is covered for depends first on the cover type. This table shows the usual inclusions under each.
What is covered | Comprehensive | Third-party |
Injury to other people and damage to their property | Yes | Yes |
Accident damage to your own Audi | Yes | No |
Theft of your Audi | Yes | No |
Fire damage to your Audi | Yes | No |
Flood and storm damage | Usually, check the wording | No |
Roadside assistance, replacement car, Oman cover | Included or available as add-ons, depending on the insurer | Rarely |
Exclusions are the situations in which no Audi policy will pay, whatever the cover type. These are the ones that matter most. Lookinsure's list of common car insurance exclusions covers the rest.
Alcohol or drugs
Any accident while driving under the influence.
Invalid licence
Driving without a valid UAE licence, or one that does not cover the vehicle.
Racing and illegal use
Track days, street racing, or using the car to commit a crime.
Wear and tear
Mechanical or electrical breakdown, worn tyres and brakes, unless you add breakdown cover.
Negligence
Damage from ignoring warning lights, or driving the car after it is already damaged.
Add-ons worth buying for an Audi
Add-ons fill the gaps a standard Audi policy leaves open. Audi's turbocharged engines are expensive to rebuild, and standard policies exclude engine failure that is not caused by an accident, so engine protection cover and mechanical breakdown cover are the two to consider first on an older Audi. Roadside assistance adds towing, battery boosts, tyre changes and fuel delivery.
For the people in the car, personal accident cover pays out for injury or death of the driver and passengers. Audi's keyless-entry fobs are costly to replace and re-code, which makes car key replacement cover worth its small cost. After the April 2024 floods, many owners also check that their policy includes car flood cover.
Audi car insurance providers in the UAE
The insurers that returned the lowest Audi quotes on Lookinsure are Methaq, Adamjee, Insurance House, RAK, Orient, Fidelity United and Union. Methaq gave the cheapest comprehensive quote on all five models. You can read about each insurer's plans and garage network through Methaq car insurance, Adamjee car insurance and Insurance House car insurance.
On the Audi SUVs, the competition shifts. Orient car insurance came second on both the Q5 and Q7 for comprehensive cover, while RAK car insurance and Fidelity United car insurance led the third-party quotes.
These seven are the insurers that priced the test profiles, not the full panel. Lookinsure lists all car insurance providers on the platform, and a live quote shows every insurer willing to cover your Audi.
How to get cheap Audi car insurance
The fastest way to get affordable Audi car insurance is to compare quotes, because the cheapest and third-cheapest comprehensive quotes for the same Audi Q7 differ by AED 185. Choosing a higher car insurance excess and protecting your no-claims bonus lower the price further.
Compare every renewal
Insurers reprice Audis differently each year. An automatic renewal rarely gives you the lowest premium.
Raise your excess
Agreeing to pay more of each claim yourself lowers the annual premium.
Keep a clean claims record
Claim-free years earn a no-claims discount, and paying for small repairs yourself protects it.
Match the repair tier to the car
Pay for agency repair while your Audi is new. Switch to garage repair once it is older and out of warranty.
How to buy Audi car insurance online
You can buy Audi car insurance online in a few minutes on Lookinsure, from quote to policy. The same flow lets you buy car insurance online in the UAE for any make. If you would rather spread the cost, you can pay with Tabby car insurance instalments or Tamara car insurance instalments.
Step 1
Start an instant quote
Select your plate's emirate and code, then enter the plate number.
Step 2
Sign in
Use UAE PASS or your Emirates ID, then enter the driver's Emirates ID number.
Step 3
Answer a few questions
How long you have held a UAE licence, and when you last made a claim.
Step 4
Compare policies
Browse the quotes for your Audi, choose a policy and add any add-ons.
Step 5
Pay and get confirmation
Enter your phone number, pay, and receive your policy confirmation.
How to renew Audi car insurance online
You can renew Audi car insurance from your Lookinsure account. Start before the current policy expires, because a lapse leaves the car uninsured and blocks its registration renewal.
Step 1
Log in
Open your Lookinsure account and go to your policies.
Step 2
Select renew
Choose the Audi policy that is due for renewal.
Step 3
Review the cover
Add or remove add-ons, or change the repair tier.
Step 4
Pay
Pay for the renewed policy online.
Step 5
Receive the renewed policy
The renewal confirmation is sent to you once payment clears.
How to make an Audi car insurance claim
To claim on your Audi car insurance, report the accident to the police first. Insurers in the UAE will not process an accident claim without a police report. Then follow these steps, and see Lookinsure's guide to the car insurance claim process for more detail.
Step 1
Report the accident
Call the police, or use the police app for minor accidents, and get the accident report.
Step 2
Notify your insurer
Contact the claims team with your policy number and the police report reference.
Step 3
Submit the documents
Send the claim form, the documents listed below, and photos of the damage.
Step 4
Inspection and repair approval
The insurer inspects the Audi and approves repair at the agency or a garage, depending on your plan.
Step 5
Pay the excess and collect
Pay your excess, if one applies, and collect the repaired car.
Documents required for an Audi car insurance claim
Police report
The accident report reference or a copy of the report.
Driving licence
A copy of the licence of the person driving at the time.
Vehicle registration
The Audi's registration card (Mulkiya).
Emirates ID
A copy of the policyholder's Emirates ID.
Claim form
The insurer's completed and signed claim form.
Photos of the damage
Clear photos of the damage and the accident scene.
Documents required to insure an Audi
To insure an Audi in the UAE you need the following documents. When you buy on Lookinsure, signing in with UAE PASS or your Emirates ID fills in most of the details for you. Lookinsure's guide to the documents required for car insurance covers special cases such as new and imported cars.
Emirates ID
For the policyholder and the main driver.
UAE driving licence
A valid licence for every named driver.
Vehicle registration
The Mulkiya, or the purchase papers for a new Audi.
Previous policy
Your last policy schedule, if you are switching insurer or claiming a no-claims discount.
Passport and visa
Required by some insurers for expatriate policyholders.
Car insurance for other German makes
Frequently asked questions
On Lookinsure, comprehensive cover for an Audi starts at AED 1,120 a year for the A3, A4 and A6, and at AED 1,600 for the Q5 and Q7. Third-party cover starts at AED 600. Your price depends on the model, its insured value, your driving record and whether you choose agency repair.
Yes. The cheapest comprehensive quote for an Audi A3 is AED 1,120 a year, against AED 1,600 for a Q5, a difference of AED 480. Third-party cover follows the same pattern: AED 600 for the A3 and AED 780 for the Q5. SUVs cost more to repair and are priced higher.
Audi A6 insurance starts at AED 1,120 a year for comprehensive cover and AED 600 for third-party on Lookinsure. The three lowest comprehensive quotes come from Methaq, Adamjee and Insurance House, ranging up to AED 1,445. A newer A6 with agency repair will usually cost more than these starting prices.
Usually, yes. A 2018 Audi A4 has a lower insured value than a new car, which reduces the comprehensive premium. Older cars often lose eligibility for agency repair, so the policy will normally use approved garages. Third-party cover for the A4 starts at AED 600 a year.
It depends on the cover type. Third-party Audi car insurance covers injury and property damage you cause to others. Comprehensive cover adds accident damage to your own Audi, theft and fire, and usually flood and storm damage. Neither covers mechanical breakdown or drink-driving unless the policy states otherwise.
You can purchase Audi car insurance online on Lookinsure. Enter your plate number, sign in with UAE PASS or your Emirates ID, and compare quotes from UAE insurers side by side. You can add extras, pay in full or by instalments with Tabby or Tamara, and receive your policy without visiting a branch.
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