Buy Cheap Audi A3 Auto Insurance in 2024
The cost of Audi A3 auto insurance rates are $1,404 a year, or around $117 a month on average. Good drivers can save as much as $2,166 a year over higher risk drivers.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Jul 15, 2021
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Key takeaways:
- Full coverage costs around $1,404 a year or $117 each month
- A liability-only policy costs around $563 a year or $47 each month
- Highest rates are for teenage drivers at around $5,132 a year or $428 each month
- Good drivers can save as much as $579 a year by earning policy discounts
- Audi A3 insurance costs around $115 less per year than the average vehicle
Are you stressed about Audi A3 insurance rates? Good drivers can save as much as $579 a year by earning policy discounts. Learn what else drivers can do to save on insurance rates for an Audi A3 in our comprehensive guide.
You can start comparing quotes for Audi A3 car insurance rates from some of the best car insurance companies by using our free online tool now.
Audi A3 Insurance Cost
The average car insurance costs for an Audi A3 are $1,404 a year or $117 a month.
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Are Audi A3s Expensive to Insure?
The chart below details how Audi A3 insurance rates compare to other sedans like the Hyundai Sonata, Lincoln MKZ, and Ford Fusion.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi A3 | $282 | $566 | $398 | $1,404 |
| Hyundai Sonata | $294 | $532 | $420 | $1,426 |
| Lincoln MKZ | $320 | $686 | $450 | $1,636 |
| Ford Fusion | $336 | $626 | $372 | $1,492 |
| Subaru Legacy | $370 | $506 | $338 | $1,350 |
| Subaru Impreza | $320 | $542 | $390 | $1,410 |
| Chevrolet Sonic | $270 | $536 | $398 | $1,362 |
However, there are a few things you can do to find the cheapest Audi insurance rates online.
What Impacts the Cost of Audi A3 Insurance?
The Audi A3 trim and model you choose can impact the total price you will pay for Audi A3 insurance coverage.
Age of the Vehicle
Older Audi A3 models generally cost less to insure. For example, auto insurance for a 2018 Audi A3 costs $1,404, while 2010 Audi A3 insurance costs are $1,166, a difference of $238.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Audi A3 | $282 | $566 | $398 | $1,404 |
| 2017 Audi A3 | $272 | $552 | $416 | $1,398 |
| 2016 Audi A3 | $262 | $530 | $430 | $1,380 |
| 2015 Audi A3 | $248 | $512 | $442 | $1,360 |
| 2013 Audi A3 | $230 | $446 | $456 | $1,290 |
| 2012 Audi A3 | $220 | $400 | $460 | $1,238 |
| 2011 Audi A3 | $206 | $368 | $460 | $1,192 |
| 2010 Audi A3 | $198 | $346 | $464 | $1,166 |
Driver Age
Driver age can have a significant effect on Audi A3 car insurance rates. For example, 30-year-old drivers pay $62 more for Audi A3 car insurance than 40-year-old drivers.
Driver Location
Where you live can have a large impact on Audi A3 insurance rates. For example, drivers in New York may pay $856 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Audi A3 car insurance. Teens and drivers in their 20’s see the highest jump in their Audi A3 car insurance with violations on their driving record.
Audi A3 Safety Ratings
Your Audi A3 car insurance rates are tied to the safety ratings of the Audi A3. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Audi A3 Crash Test Ratings
Audi A3 crash test ratings will affect your Audi A3 car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Audi A3 Cabriolet C FWD | N/R | N/R | N/R | N/R |
| 2020 Audi A3 Cabriolet C AWD | N/R | N/R | N/R | N/R |
| 2020 Audi A3 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2020 Audi A3 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Audi A3 Sportback e-tron FWD | N/R | N/R | N/R | N/R |
| 2019 Audi A3 C FWD | N/R | N/R | N/R | N/R |
| 2019 Audi A3 C AWD | N/R | N/R | N/R | N/R |
| 2019 Audi A3 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2019 Audi A3 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Audi A3 Sportback e-tron FWD | N/R | N/R | N/R | N/R |
| 2018 Audi A3 C FWD | N/R | N/R | N/R | N/R |
| 2018 Audi A3 C AWD | N/R | N/R | N/R | N/R |
| 2018 Audi A3 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2018 Audi A3 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Audi A3 C FWD | N/R | N/R | N/R | N/R |
| 2017 Audi A3 C AWD | N/R | N/R | N/R | N/R |
| 2017 Audi A3 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2017 Audi A3 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Audi A3 C FWD | N/R | N/R | N/R | N/R |
| 2016 Audi A3 C AWD | N/R | N/R | N/R | N/R |
| 2016 Audi A3 4 DR FWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 2016 Audi A3 4 DR AWD | 5 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Audi A3 Safety Features
The safety features of the Audi A3 can impact your Audi A3 car insurance rates. The Audi A3 has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Integrated Turn Signal Mirrors
- Traction Control
- Blind Spot Monitor
- Auto-Leveling Headlights
- Cross-Traffic Alert
Audi A3 Insurance Loss Probability
The lower percentage means lower Audi A3 car insurance costs; higher percentages mean higher Audi A3 car insurance costs. Compare the following Audi A3 auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| Insurance Coverage Category | Loss Rate |
| Collision | 52% |
|---|---|
| Property Damage | -10% |
| Comprehensive | 9% |
| Personal Injury | -15% |
| Medical Payment | no data |
| Bodily Injury | no data |
| Source: Insurance Institute for Highway Safety | |
Audi A3 Finance and Insurance Cost
When financing a Audi A3, most lenders will require your carry higher Audi A3 coverage options including comprehensive coverage, so be sure to shop around and compare Audi A3 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Audi A3 Insurance
Save more on your Audi A3 car insurance rates. Take a look at the following five strategies that will get you the best Audi A3 auto insurance rates possible.
- Start Searching for New Audi A3 Car Insurance a Month Before Your Renewal
- Watch Your Insurer Closely When Your Audi A3 Needs Repairs
- Ask About Welcome Discounts
- Compare Apples to Apples When Comparing Audi A3 Insurance Quotes and Policies
- Make Sure You Use an Accredited Driver Safety Program
Top Audi A3 Insurance Companies
Who is the top car insurance company for Audi A3 insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Audi A3 auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Audi A3 offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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