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: Sep 2, 2022

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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.

U.S. average insurance rates for an Audi A3 are $1,290 a year with full coverage. Comprehensive insurance costs approximately $230, collision insurance costs $446, and liability insurance costs around $456. Liability-only insurance costs as low as $508 a year, and high-risk driver insurance costs $2,808 or more. Teen drivers pay the highest rates at up to $4,994 a year.

Average premium for full coverage: $1,290

Price estimates by individual coverage:

Comprehensive $230
Collision $446
Liability $456

Prices include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all U.S. states and for all A3 models.

Price Range from Low to High

For a driver around age 40, Audi A3 insurance prices range from the low end price of $508 for liability-only coverage to the much higher price of $2,808 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,290
High Risk $2,808

Geographic Price Range

Where you live has a significant impact on the price of insurance. Rural locations have lower incidents of collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $968
Small Cities $1,355
Large Cities $1,742

The ranges above demonstrate why everyone should compare prices using their specific location, rather than relying on price averages.

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 Charts and Tables

The chart below details average Audi A3 insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $746
  • Using higher $1,000 deductibles will save $154 annually
  • The estimated price for the average middle-age driver who chooses $500 deductibles is $1,290
  • Choosing pricier low deductibles for physical damage coverage will cost an additional $300 a year
  • Drivers with multiple violations and an at-fault accident could pay around $2,808
  • The price that insures a teen driver for full coverage can cost $4,994 or more

View Chart as Image

Audi A3 insurance cost comparison chart
Column chart showing Audi A3 insurance prices range from $746 to $4,994 for full coverage

Car insurance prices for an Audi A3 are also quite variable based on the model of your A3, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,600 to $2,200 extra each year, depending on your age. Audi A3 insurance for high-risk drivers can be anywhere from 44% to 138% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will be charged in the ballpark of $4,900 a year. View Rates by Age

The state you live in has a huge impact on Audi A3 insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,740 on average in New York, Michigan, and Florida.

Audi A3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,168 -$122 -9.5%
Alaska $990 -$300 -23.3%
Arizona $1,070 -$220 -17.1%
Arkansas $1,290 -$0 0.0%
California $1,472 $182 14.1%
Colorado $1,232 -$58 -4.5%
Connecticut $1,326 $36 2.8%
Delaware $1,462 $172 13.3%
Florida $1,614 $324 25.1%
Georgia $1,190 -$100 -7.8%
Hawaii $926 -$364 -28.2%
Idaho $872 -$418 -32.4%
Illinois $960 -$330 -25.6%
Indiana $970 -$320 -24.8%
Iowa $870 -$420 -32.6%
Kansas $1,226 -$64 -5.0%
Kentucky $1,760 $470 36.4%
Louisiana $1,910 $620 48.1%
Maine $798 -$492 -38.1%
Maryland $1,064 -$226 -17.5%
Massachusetts $1,032 -$258 -20.0%
Michigan $2,242 $952 73.8%
Minnesota $1,080 -$210 -16.3%
Mississippi $1,544 $254 19.7%
Missouri $1,144 -$146 -11.3%
Montana $1,386 $96 7.4%
Nebraska $1,016 -$274 -21.2%
Nevada $1,546 $256 19.8%
New Hampshire $930 -$360 -27.9%
New Jersey $1,442 $152 11.8%
New Mexico $1,142 -$148 -11.5%
New York $1,360 $70 5.4%
North Carolina $744 -$546 -42.3%
North Dakota $1,056 -$234 -18.1%
Ohio $890 -$400 -31.0%
Oklahoma $1,326 $36 2.8%
Oregon $1,182 -$108 -8.4%
Pennsylvania $1,230 -$60 -4.7%
Rhode Island $1,722 $432 33.5%
South Carolina $1,168 -$122 -9.5%
South Dakota $1,088 -$202 -15.7%
Tennessee $1,128 -$162 -12.6%
Texas $1,554 $264 20.5%
Utah $956 -$334 -25.9%
Vermont $884 -$406 -31.5%
Virginia $774 -$516 -40.0%
Washington $996 -$294 -22.8%
West Virginia $1,182 -$108 -8.4%
Wisconsin $894 -$396 -30.7%
Wyoming $1,150 -$140 -10.9%

View Chart as Image

Audi A3 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $460 each year, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $411 extra every 12 months. View Rates by Deductible or Liability Limit

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 $1,278 $107
Audi A3 2.0T Premium Plus Package $1,290 $108
Audi A3 2.0T Quattro $1,324 $110

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 $230 $446 $456 $1,290
2011 Audi A3 $180 $300 $474 $1,112
2009 Audi A3 $162 $248 $474 $1,042
2008 Audi A3 $152 $226 $474 $1,010
2007 Audi A3 $148 $202 $468 $976
2006 Audi A3 $146 $198 $460 $962

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 Find the Right Audi A3 Insurance

Getting lower rates on Audi A3 insurance requires being a good driver, having a positive credit history, avoid buying unnecessary coverage, and attention to physical damage deductibles. Shop around once a year by getting rate quotes from direct companies, and also from local insurance agencies.

The following list is a quick rundown of the data that was covered above.

  • You may be able to save around $150 per year just by quoting online well ahead of the renewal date
  • Drivers who purchase an increased level of liability coverage will pay about $500 every year to increase from a low limit to the 250/500 level
  • Drivers age 16 to 20 pay the highest auto insurance prices, costing up to $416 a month if full coverage is purchased
  • High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,520 more per year than a safer driver

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
Property Damage-10%
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 $4,994
20 $3,002
30 $1,334
40 $1,290
50 $1,180
60 $1,158

Full coverage, $500 deductibles

Rates by Deductible

Audi A3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,590
$250 $1,450
$500 $1,290
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Audi A3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,290
50/100 $1,415
100/300 $1,529
250/500 $1,826
100 CSL $1,461
300 CSL $1,712
500 CSL $1,894

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,106
20 $4,788
30 $2,856
40 $2,808
50 $2,686
60 $2,664

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $92
5-yr Claim Free $84
Paid in Full/EFT $56
Advance Quote $63
Online Quote $91
Total Discounts $544
Rate after discounts $746

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

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