Audi A3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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An Audi can be expensive to insure, which makes shopping around for affordable Audi A3 car insurance rates even more important. If you aren’t sure where to start or how much Audi A3 insurance rates should be, don’t worry.

If you read this guide before you buy Audi A3 car insurance, you’ll be well on the way to finding an affordable Audi A3 car insurance company to fit your needs.

Our guide goes through Audi A3 insurance costs, as well as Audi A3 prices, Audi A3 maintenance costs, and much more so you can secure cheap car insurance.

If you want to start comparing Audi A3 auto insurance quotes right away, enter your five-digit ZIP code into our FREE tool above.

Average insurance prices for an Audi A3 are $1,238 every 12 months for full coverage insurance. Comprehensive costs an estimated $220 each year, collision insurance costs $400, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs around $2,688. Teens receive the highest rates at up to $4,822 a year.

Average premium for full coverage: $1,238

Rate estimates broken down by individual coverage type:

Comprehensive $220
Collision $400
Liability $460

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 states and A3 models.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from the cheapest price of $510 for just the minimum liability insurance to a high rate of $2,688 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,238
High Risk $2,688

Price Range by Location

Your location can make a big difference on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates how where you live affects insurance prices.

Rural Areas $929
Small Cities $1,300
Large Cities $1,671

These examples illustrate why all drivers should compare rates for a targeted area and their own driving history, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Analysis

The chart below illustrates average Audi A3 insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $723
  • Drivers who choose higher $1,000 deductibles will pay approximately $142 each year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,238
  • Selecting low deductibles for comprehensive and collision insurance increases the price to $1,510
  • Drivers with serious driving violations could pay up to $2,688
  • The cost to insure a 16-year-old driver can cost as much as $4,822 a year

View Chart as Image

Audi A3 insurance cost comparison chart
Column chart showing Audi A3 insurance rates range from $723 to $4,822 for full coverage

Insurance rates for an Audi A3 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $420 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers can cost from 44% to 135% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Audi A3 insurance prices. A 40-year-old driver could pay as low as $810 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,670 on average in Florida, New York, and Michigan.

Audi A3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,120 -$118 -9.5%
Alaska $950 -$288 -23.3%
Arizona $1,028 -$210 -17.0%
Arkansas $1,238 -$0 0.0%
California $1,410 $172 13.9%
Colorado $1,184 -$54 -4.4%
Connecticut $1,274 $36 2.9%
Delaware $1,402 $164 13.2%
Florida $1,548 $310 25.0%
Georgia $1,142 -$96 -7.8%
Hawaii $890 -$348 -28.1%
Idaho $838 -$400 -32.3%
Illinois $922 -$316 -25.5%
Indiana $932 -$306 -24.7%
Iowa $834 -$404 -32.6%
Kansas $1,176 -$62 -5.0%
Kentucky $1,690 $452 36.5%
Louisiana $1,834 $596 48.1%
Maine $766 -$472 -38.1%
Maryland $1,022 -$216 -17.4%
Massachusetts $992 -$246 -19.9%
Michigan $2,152 $914 73.8%
Minnesota $1,038 -$200 -16.2%
Mississippi $1,484 $246 19.9%
Missouri $1,098 -$140 -11.3%
Montana $1,330 $92 7.4%
Nebraska $978 -$260 -21.0%
Nevada $1,486 $248 20.0%
New Hampshire $892 -$346 -27.9%
New Jersey $1,386 $148 12.0%
New Mexico $1,096 -$142 -11.5%
New York $1,306 $68 5.5%
North Carolina $712 -$526 -42.5%
North Dakota $1,014 -$224 -18.1%
Ohio $856 -$382 -30.9%
Oklahoma $1,274 $36 2.9%
Oregon $1,136 -$102 -8.2%
Pennsylvania $1,182 -$56 -4.5%
Rhode Island $1,652 $414 33.4%
South Carolina $1,120 -$118 -9.5%
South Dakota $1,046 -$192 -15.5%
Tennessee $1,084 -$154 -12.4%
Texas $1,492 $254 20.5%
Utah $916 -$322 -26.0%
Vermont $848 -$390 -31.5%
Virginia $742 -$496 -40.1%
Washington $960 -$278 -22.5%
West Virginia $1,136 -$102 -8.2%
Wisconsin $858 -$380 -30.7%
Wyoming $1,104 -$134 -10.8%

View Chart as Image

Audi A3 insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Audi A3 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi A3 2.0T Premium Package $1,228 $102
Audi A3 2.0T Premium Plus Package $1,238 $103
Audi A3 2.0T Quattro $1,270 $106

Rates assume 2016 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Audi A3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2016 Audi A3 $220 $400 $460 $1,238
2011 Audi A3 $174 $272 $478 $1,082
2009 Audi A3 $152 $226 $474 $1,010
2008 Audi A3 $148 $202 $468 $976
2007 Audi A3 $146 $198 $460 $962
2006 Audi A3 $144 $188 $452 $942

Rates are averaged for all Audi A3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Best Cheap Audi A3 Insurance

Saving money on insurance for an Audi A3 not only requires being a good driver, but also having good credit, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Take the time to comparison shop every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a quick review of the information touched on in the above illustrations.

  • It is possible to save approximately $150 per year just by quoting online in advance
  • Drivers age 16 to 20 are charged the highest rates, costing up to $402 per month if they have full coverage
  • Increasing deductibles could save as much as $425 each year
  • Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,450 more annually than a safer driver
  • Insureds who want an increased level of liability coverage will pay approximately $510 annually to go from a minimum limit to a 250/500 level

Simply by getting quotes early to find cheap Audi A3 car insurance, you could save about $170 a year. Use our free tool below to get started on comparing car insurance rates in your area.

Keep in mind that many factors can affect auto insurance rates. Audi A3 car insurance for an 18-year-old driver will be more expensive than Audi A3 insurance for a 21-year old.

Let’s look at some other things that play into calculating Audi A3 auto insurance rates.

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How does the size and class of the Audi A3 affect liability rates?

What does liability insurance cover? Composed of two parts (property damage and bodily injury), liability insurance is coverage that pays for other parties’ accident costs if you caused the accident.

Since liability insurance covers other drivers’ costs, the size and class of a vehicle directly affect what you’ll pay for liability insurance. Why? If your car meets one of the criteria below, it may be classified as a high-risk vehicle and have higher liability rates.

  • A car that is large and heavy (can inflict more damage on other vehicles).
  • A car that crashes easily, such as a sports car or a car with poor safety features.
  • A car model that has high insurance loss numbers, which is the average number of claims filed against a car.

The Audi A3 may be labeled as a high risk vehicle, as it is a midsize luxury car. Generally, this means it may be more prone to crashing because of its more powerful engine.

To check if the Audi A3 has higher liability losses, we are going to go through the Insurance Institute for Highway Safety’s (IIHS) data on insurance losses by make and model for Audi A3s.

In the table below, you view the Audi A3 insurance loss probability details.

Audi A3 Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Collision52%
Property Damage-10%
Comprehensive9%
Personal Injury-15%
Medical Paymentno data
Bodily Injuryno data

The lower the number, the better the insurance loss ratio. Let’s explore what these numbers mean in a little more detail.

The first set of losses below are for bodily injury losses (claims paid) from 2016 to 2018.

  • Audi A3 four-door: 14 percent (average)
  • Audi A3 four-door and four-wheel-drive: -28 percent (better than average)

The insurance losses for the Audi A3 with four-wheel-drive are considerably better than than the Audi A3 without four-wheel-drive. If you take a look at the property damage losses below, you can see that four-wheel-drives did better on losses.

  • Audi A3 four-door: -2 percent (average)
  • Audi A3 four-door and four-wheel-drive: -18 percent (average)
  • Audi A3 convertible: 8 percent (average)
  • Audi A3 convertible four-wheel-drive: -31 percent (substantially better than average)
  • Audi A3 plug-in hybrid station wagon: -10 percent (average)

Most of the losses are average for midsize luxury cars, which suggests the Audi A3 will have normal rates. While you probably won’t earn a huge discount on liability insurance, you also won’t be paying extremely high rates.

What does liability insurance cost for the Audi A3?

Is Audi A3 insurance expensive? Exactly how much does insurance cost for an Audi A3? To find out, we pulled rates from a sample Geico quote for a 40-year-old male driver with a clean driving record who lives in Pennsylvania and owns his 2020 Audi A3 Sedan four-door.

The first set of rates you see below is for six months of bodily injury liability insurance.

  • Low ($15,000/$30,000): $32.12
  • Medium ($100,000/$200,000): $65.85
  • High ($500,000/$500,000): $106.01

Low coverage is the bare minimum you must purchase to meet your state’s requirements. The coverage limits of low coverage won’t stretch far if you seriously injure someone, so we do recommend getting at least medium coverage.

Upgrading to medium bodily injury coverage will only cost about $5 more a month while upgrading to high will only cost about $12 more a month.

The extra upgrade costs for property damage liability coverage are even lower, which means you could upgrade both coverages for a reasonable price.

  • Low ($5,000): $420.41
  • Medium ($20,000): $445.35
  • High ($100,000): $463.58

The upgrade to medium coverage will be an extra $4 a month, and the upgrade to high coverage will be an extra $7 a month. These are low price increases, which is great. Based on these sample rates, it shouldn’t be too hard to find an affordable insurance price for your Audi A3.

What are the safety features and ratings of the Audi A3?

Safety features reduce your risk of being in a crash and protect you in a crash, which means lower insurance rates. If you have a chance to upgrade to better safety features, you should do this if possible. More safety features mean a better discount, so the extra money you pay for upgrades should eventually pay itself off.

AutoBlog listed the following safety features for the 2020 Audi A3.

  • Crash prevention: anti-lock brakes and stability control.
  • Crash protection: front-impact airbags, side-impact airbags, overhead airbags, knee airbags, seatbelt pretensioners, and anti-whiplash headrests.
  • Anti-theft: vehicle intrusion alarms and ignition disable device.

The multiple airbags in the Audi A3 are fantastic and will help protect you from life-threatening injuries in a crash. The knee airbags are a less common airbag, but they protect you from leg injuries (which are common in crashes).

Because the Audi A3 has a great array of safety features on the standard model, make sure your insurer is offering you a discount. The Audi A3 also has great safety ratings from the Insurance Institute for Highway Safety (IIHS).

Both the four-door sedan (2019 + 2020) and four-door wagon (2013) won Top Safety Pick awards from the IIHS. They both rated good in small overlap front crash tests (driver-side and passenger-side), moderate overlap front crash test, side tests, roof strength tests, and head restraints/seat tests.

Because good is the highest rating, the Audi A3 did fantastic in the IIHS’s crash tests. This is important, as cars have higher fatality rates, so good crash ratings ensure you won’t be paying higher rates just because you own a car rather than a pickup or SUV.

In the following table, see the Audi A3 crash test ratings as performed by the National Highway Traffic Safety Administration.

Audi A3 Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Audi A3 Cabriolet C FWDN/RN/RN/RN/R
2020 Audi A3 Cabriolet C AWDN/RN/RN/RN/R
2020 Audi A3 4 DR FWD5 stars4 stars5 stars4 stars
2020 Audi A3 4 DR AWD5 stars4 stars5 stars4 stars
2019 Audi A3 Sportback e-tron FWDN/RN/RN/RN/R
2019 Audi A3 C FWDN/RN/RN/RN/R
2019 Audi A3 C AWDN/RN/RN/RN/R
2019 Audi A3 4 DR FWD5 stars4 stars5 stars4 stars
2019 Audi A3 4 DR AWD5 stars4 stars5 stars4 stars
2018 Audi A3 Sportback e-tron FWDN/RN/RN/RN/R
2018 Audi A3 C FWDN/RN/RN/RN/R
2018 Audi A3 C AWDN/RN/RN/RN/R
2018 Audi A3 4 DR FWD5 stars4 stars5 stars4 stars
2018 Audi A3 4 DR AWD5 stars4 stars5 stars4 stars
2017 Audi A3 C FWDN/RN/RN/RN/R
2017 Audi A3 C AWDN/RN/RN/RN/R
2017 Audi A3 4 DR FWD5 stars4 stars5 stars4 stars
2017 Audi A3 4 DR AWD5 stars4 stars5 stars4 stars
2016 Audi A3 C FWDN/RN/RN/RN/R
2016 Audi A3 C AWDN/RN/RN/RN/R
2016 Audi A3 4 DR FWD5 stars4 stars5 stars4 stars
2016 Audi A3 4 DR AWD5 stars4 stars5 stars4 stars

A 5-star rating is the highest score given by the National Highway Traffic Safety Administration. Overall, the Audi A3 performed very well.

Just how much worse are car fatalities compared to pickups and SUVs? According to the IIHS’s 2018 study, out of driver fatalities per million vehicles, there were 48 car fatalities compared to only 34 pickup fatalities and 23 SUV fatalities.

All occupant fatalities per million vehicles also show cars have more fatalities, as they equal 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

Not sure how many total fatalities these numbers equal? The 2018 total fatalities amounted to 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Below, you can see a breakdown of the 13,138 car fatalities by crash type.

  • Frontal Impact: 7,433 fatalities
  • Side Impact: 3,568 fatalities
  • Rear Impact: 834 fatalities
  • Other (mostly rollovers): 1,303 fatalities

Frontal impacts are the deadliest for cars, although side impacts also make up a huge chunk of the fatalities. It’s important to be aware of what the fatality breakdown is for your car type, as it can help you find a car that is safer in these types of crashes.

Since the Audi A3 has great safety ratings, it will be a good choice of car for crashes. Want to learn what else determines the price of car insurance? Keep reading to learn how the price of your Audi A3 can affect your car insurance rates.

What is the MSRP of the Audi A3?

The manufacturer suggested retail price (MSRP) is an important indicator of how much it will cost to repair or replace a car. Because the MSRP is a fixed price, insurers will often use the MSRP to determine collision and comprehensive rates rather than using the invoice price (the seller price) or the fair purchase price (what most people pay for the car).

Why are collision and comprehensive insurance affected by MSRP? These two coverages pay for your vehicle repairs, regardless of who caused the accident, so a high MSRP price means your insurer will have to pay more to repair or replace your vehicle. Because these coverages cover a variety of situations, most lenders will require you to carry them in what is called force-placed insurance.

Even if you aren’t required to carry these coverages, you should still have them. Collision coverage pays for your car repairs if you crash into another vehicle or object. Comprehensive coverage pays if you crash into an animal, or if there is weather damage, theft, or vandalism.

So what is the MSRP? Knowing the price will help us determine if collision and comprehensive rates will be high. Prices for the 2020 Audi A3, according to Kelley Blue Book (KBB), are as follows:

  • MSRP: $34,295
  • Invoice: $32,299
  • Fair Purchase Price: $31,479
  • Fair Market Range: $29,886 to $33,071

Because the Audi A3 is a luxury vehicle, the MSRP is higher. However, you should never pay the MSRP. Instead, shop around to find the fair purchase price in your area, which is usually a few thousand dollars less than the MSRP.

Another factor that helps us determine if collision and comprehensive rates will be high is insurance losses for these coverages. Let’s start by looking at collision losses for Audi A3s.

  • Audi A3 four-door: 37 percent (substantially worse than average)
  • Audi A3 four-door and four-wheel-drive: 30 percent (worse than average)
  • Audi A3 convertible: 32 percent (substantially worse than average)
  • Audi A3 convertible four-wheel-drive: 9 percent (average)
  • Audi A3 plug-in hybrid station wagon: 37 percent (substantially worse than average)

Unfortunately, most of the losses for Audi A3s are poor. This means you could have a higher rate on your collision insurance. The good news is that the comprehensive rates for most of the Audi A3s are average, so your comprehensive rate should be normal.

  • Audi A3 four-door: 3 percent (average)
  • Audi A3 four-door and four-wheel-drive: 13 percent (average)
  • Audi A3 convertible: -33 percent (substantially better than average)
  • Audi A3 convertible four-wheel-drive: 9 percent (average)
  • Audi A3 plug-in hybrid station wagon: 12 percent (average)

While your collision rates may be a little higher than average, shopping around for insurance can help keep your rates low.

How much will it cost to repair my Audi A3?

Is owning an Audi expensive? Knowing average repair costs beforehand can help you plan for maintenance costs, such as oil changes or engine repairs. According to RepairPal’s reliability rating of the Audi A3, the average annual repair cost is $741. This is slightly lower than the average for luxury compact cars, which is $801.

The Audi A3 also has a 3.5 out of 5 reliability rating, which is good. Because the Audi A3 has decent repair costs, the car insurance rates shouldn’t be too high.

To keep costs down, it is important to shop around for car insurance rates.

If you want to start comparing Audi A3 insurance costs today or just want to know what the cheapest Audi to insure is, just enter your five-digit ZIP code into our FREE tool.

Rates by Driver Age

Audi A3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,822
20 $2,870
30 $1,278
40 $1,238
50 $1,134
60 $1,112

Full coverage, $500 deductibles

Rates by Deductible

Audi A3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,510
$250 $1,384
$500 $1,238
$1,000 $1,096

Full coverage, driver age 40

Rates by Liability Limit

Audi A3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,238
50/100 $1,362
100/300 $1,477
250/500 $1,776
100 CSL $1,408
300 CSL $1,661
500 CSL $1,845

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,846
20 $4,578
30 $2,732
40 $2,688
50 $2,572
60 $2,550

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $173

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $86
5-yr Claim Free $80
Paid in Full/EFT $52
Advance Quote $59
Online Quote $86
Total Discounts $515
Rate after discounts $723

Discounts are estimated and may not be available from every company or in every state.

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