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 insurance rates for an Audi S3 are $1,218 a year with full coverage. Comprehensive insurance costs an estimated $278, collision costs $526, and liability insurance costs around $304. Liability-only coverage costs as low as $346 a year, with high-risk coverage costing $2,638 or more. Teens cost the most to insure at $4,406 a year or more.

Average premium for full coverage: $1,218

Policy rates broken down by type of insurance:

Price estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for all S3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. More rural locations are shown to have lower incidents of collision claims than cities with more traffic congestion.

The example below illustrates how location helps determine insurance prices.

The examples above demonstrate why everyone should compare prices for a targeted area, rather than relying on averaged prices.

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

Additional Rate Details

The chart below details estimated Audi S3 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $684
• Using higher $1,000 deductibles will save approximately $182 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $1,218
• Selecting pricier low deductibles for physical damage coverage will cost an additional $358 a year
• Drivers with serious driving violations could pay up to $2,638 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $4,406 or more

View Chart as Image

Insurance rates for an Audi S3 also range considerably based on the model of your S3, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,500 to $2,000 additional every year, depending on your age. Audi S3 insurance for high-risk drivers can be anywhere from 45% to 137% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay at least $4,400 a year. View Rates by Age

Your home state has a huge impact on Audi S3 insurance rates. A driver around age 40 might see rates as low as $880 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,640 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $540 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $273 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied.

How to Find Cheaper Audi S3 Insurance

Finding cheaper rates on Audi S3 insurance requires having a decent driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct companies, and also from insurance agencies where you live.

The following items are a condensed summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save approximately $150 per year simply by quoting online well ahead of the renewal date
• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,420 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• 16 to 18-year-old drivers are expensive to insure, as much as $367 each month if comprehensive and collision insurance is included

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.