Audi S3 Insurance Rates

How much is insurance on an Audi S3? A luxury car brand, Audi S3s can be expensive to insure with average rates of over $1,400 a year. If you need help reducing rates or just want to learn more about Audi S3 insurance costs, you’ve come to the right place.

Read our Audi S3 review to learn about average rates, crash test ratings, and more. Ready to start shopping for Audi S3 insurance rates today? Enter your ZIP code in our free online tool above.

The average auto insurance rates for an Audi S3 are $1,288 annually with full coverage. Comprehensive costs approximately $290, collision costs $588, and liability coverage is estimated at $300. A liability-only policy costs approximately $342 a year, with high-risk insurance costing around $2,800. Teens cost the most to insure at $4,648 a year or more.

Average premium for full coverage: $1,288

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all S3 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The example below illustrates how your location can change auto insurance prices.

The examples above demonstrate why everyone should get quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

More Rate Details

The chart below details estimated Audi S3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $715
• Choosing higher $1,000 deductibles can save $200 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,288
• Selecting pricier low deductibles for comp and collision coverage will cost $1,678
• Drivers with serious driving violations could pay around $2,800 or more
• Policy cost with full coverage for a teenage driver for full coverage can cost $4,648 each year

View Chart as Image

Car insurance rates for an Audi S3 also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high physical damage deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $4,600 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Audi S3 insurance for high-risk drivers ranges around 45% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $590 a year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $270 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi S3 insurance rates. A good driver about age 40 could pay as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see how they stack up. Each auto insurer calculates rates differently, so rate quotes will be varied between companies.

How to Buy More Affordable Audi S3 Insurance

Finding cheaper rates on auto insurance takes being a low-risk driver, having a good credit score, not filing small claims, and avoiding coverage lapses. Invest the time to shop around every couple of years by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a summary of the material that was illustrated above.

• Consumers who purchase more liability coverage will pay approximately $330 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Teen drivers pay the highest auto insurance rates, as much as $387 each month if comprehensive and collision insurance is included
• Drivers who have multiple accidents or major violations may pay on average $1,510 more per year to insure their S3
• Increasing comprehensive and collision deductibles could save up to $600 each year

You can save almost $200 by getting quotes. What is the cheapest Audi to insure? If you want to get started on finding rates for your vehicle to find out how much is Audi S3 insurance to much is insurance for an Audi A4, enter your ZIP code in our free tool below.

Audi S3 Size and Class and Liability Insurance

What does liability insurance cover? This coverage will cover other driver’s costs (medical and property damages) if you caused the accident. This is why the size and class of your vehicle influence your liability rates.

If your vehicle is large, heavy, or prone to crashing, it means that your vehicle is at a higher risk of damaging other vehicles/people. This will result in your liability rates being higher.

The Audi S3 is a compact luxury sedan, so it isn’t a very large car. This means that if you are in an accident, it is unlikely that the car you hit will be crushed unless it is smaller. However, luxury usually means that the car has a more powerful engine and acceleration. Insurers sometimes raise rates for these cars because luxury cars are more likely to be crashed.

While your liability rates will depend upon what company you choose, such as Greenlight Insurance or State Farm insurance, rates should be within a similar price range. To find out if what else determines the price of car insurance, keep reading.

Audi S3 Liability Insurance Rates

Liability insurance is composed of bodily injury and property damage, so we are going to go over sample Geico quotes for both of these liability parts. The sample rates are for a 40-year-old male driver who owns a 2020 Audi S3 Quattro Prestige, has a clean driving record, and travels an average of 13,000 miles a year.

How much does it cost to insure an Audi S3? Below are the average liability rates for a six-month policy for bodily injury insurance.

• Low ($15,000/$30,000): $26.70
• Medium ($100,000/$200,000): $54.73
• High ($500,000/$500,000): $88.11

It costs around $62 if you want to upgrade your bodily injury insurance from low to high coverage, or about $10 extra a month. This isn’t a bad price upgrade, especially because your insurance will cover up to $500,000 in medical bills if you hit someone.

The jump in coverage for property damage is similar, as you can upgrade from $5,000 to $100,000 of coverage for an extra $37 ($6 a month).

• Low ($5,000): $407.47
• Medium ($20,000): $429.04
• High ($100,000): $444.81

We always recommend getting the highest possible coverage you can afford, as you will be better protected from legal actions and paying bills out of pocket if you cause an accident. Keep in mind, however, that liability rates will be different for a 40-year-old than Audi S3 insurance for a 21-year-old, as age and driving record will affect your rates.

Audi S3 Safety Features and Ratings

Most people take note of safety features when they buy a car, as safety features help prevent crashes and keep the driver and passengers safe in a crash. The safety benefits of features are why insurers often offer a discount if your car has certain safety features, such as stability control or backup cameras.

According to VehicleHistory, the 2017 Audi S3 has the following standard safety features:

• Electronic Stability Control (ESC)
• ABS And Driveline Traction Control
• Side Impact Beams
• Dual Stage Driver And Passenger Seat-Mounted Side Airbags
• Front And Rear Parking Sensors
• Low Tire Pressure Warning
• Dual Stage Driver And Passenger Front Airbags
• Sideguard Curtain
• 1st and 2nd Row Airbags
• Airbag Occupancy Sensor
• Driver And Passenger Knee Airbag
• Rear Child Safety Locks
• Outboard Front Lap And Shoulder Safety Belts
• Height Adjusters and Pretensioners
• Back-Up Camera

The Audi S3 has some great safety features, so you should be able to get a discount. Another way to check if your vehicle is likely to have lower rates is to look at crash test ratings. The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Audi S3 an overall safety rating of five out five.

The parts of the crash safety test that scored less than five were:

• Rollover Resistance Test: Four
• Front Driver Side Test: Four

A four is still good, so the Audi S3 has a great safety rating overall. This is important because cars do have higher fatality rates, so they will automatically cost more to insure than pickups and SUVs.

This conclusion is based on the Insurance Information Institute for Highway Safety’s (IIHS) 2018 fatality data for the three different vehicle types (cars, pickups, and SUVs), which showed cars have the highest number of fatalities.

The IIHS found that driver fatalities per million vehicles were 48 car fatalities, 34 pickup fatalities, and 23 SUV fatalities. The occupant fatalities per million vehicles were 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

The IIHS’s averages are based on the total fatalities, which were 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Below, the list shows the 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

Because the Audi S3 has a good safety rating, drivers will be better protected and less likely to end up as one of the numbers on these lists. So whether you are worried about Audi A3 insurance cost or Audi A4 insurance costs, one way to make sure you have lower rates is to check safety ratings and safety features.

Audi S3 Manufacturer Suggested Retail Price

Because the manufacturer suggested retail price (MSRP) is the price a car is valued to be worth, insurers use the MSRP to determine collision and comprehensive insurance rates. Since collision and comprehensive insurance pay for your vehicle repairs after an accident, the MSRP gives insurers an idea of how much it will cost to repair or replace your vehicle.

According to Kelley Blue Book (KBB), the average MSRP for the 2019 Audi S3 Premium Plus are:

• MSRP: $45,495
• Invoice Price: $42,827
• Fair Purchase Price: $39,043
• Fair Market Range: $36,762 to $41,323

The Audi S3 does cost more than a typical vehicle, so it will cost a little more to insure than a cheaper vehicle. We did include other prices to show you what you should be paying for an Audi S3, as the MSRP is never the price you should pay.

To prepare for costs, it is also important to know what insurance group is an Audi S3 in, as researching this will tell you if an Audi S3 will be expensive to insure.

We hope our guide to Audi S3 insurance helped you gain a better understanding of pricing. If you want to start comparing vehicle rates from Audi S3 insurance rates to Audi RS3 insurance rates to find out which cars are cheapest to insure, make sure to enter your ZIP code in our free tool below.