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Audi A3 Insurance Rates [Comprehensive Guide]

Auto insurance rates for an Audi A3 average $1,404 a year, or around $117 a month. Shop around to find cheap Audi A3 insurance rates. On average, Audi A3 comprehensive insurance coverage costs $342, collision coverage costs $499, and liability coverage costs $396.

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Jun 18, 2020

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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

Audi A3 insurance rates cost about $115 less per year than the average vehicle, with full coverage costing around $1,404 a year or $117 a month. Good drivers who remain claim-free will qualify for up to $579 a year in discounts. Let’s look at Audi A3 insurance rates, safety ratings, and more.

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 Audi A3 auto insurance rates 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 Chrysler 300, Toyota Avalon, and Ford Fusion.

Vehicle Comprehensive Collision Liability Total
Audi A3 $282 $566 $398 $1,404
Chrysler 300 $332 $626 $398 $1,514
Toyota Avalon $320 $536 $338 $1,330
Ford Fusion $336 $626 $372 $1,492
Subaru WRX $320 $566 $338 $1,360
Chevrolet Impala $280 $532 $372 $1,342
Chevrolet Blazer $376 $688 $316 $1,516

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, car insurance rates for a 2018 Audi A3 are $1,404, while 2010 Audi A3 rates 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 impact on Audi A3 auto insurance rates. For instance, a 30-year-old driver may pay $62 more each year for Audi A3 auto insurance than a 40-year-old driver.

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 auto insurance rates are influenced by the Audi A3’s safety ratings. 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

Not only do good Audi A3 crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Audi A3 auto 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

Audi A3 safety features can lower the cost of your insurance. The safety features for the 2020 Audi A3 include:

  • 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 Audi A3’s insurance loss probability varies between different coverage types. The lower percentage means lower Audi A3 auto insurance costs; higher percentages mean higher Audi A3 auto insurance costs.

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

If you are financing a Audi A3, you will pay more if you purchase Audi A3 car insurance at the dealership, so be sure to shop around and compare Audi A3 car insurance quotes from the best companies using our FREE tool below.

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

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Ways to Save on Audi A3 Insurance

There are many ways that you can save on Audi A3 car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Audi A3 car insurance rates low.

  • Ask About Farm and Ranch Vehicle Discounts
  • Ask About Seasonal Insurance for Your Audi A3
  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Ask About Audi A3 Discounts If You Were Listed on Someone Else’s Policy
  • Get Audi A3 Auto Insurance Through Costco

Top Audi A3 Insurance Companies

Who is the best auto 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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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

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