What is the Best Car Insurance for an Audi A3?

If you want to buy cheap Audi A3 insurance coverage then you should know that a policy will cost $117 per month ($1,404 per year) on average. On average, comprehensive coverage costs $342, collision coverage costs $499, and liability coverage costs $396 for Audi A3 insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 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 car insurance rates cost an average of $1,404 a year or $117 each month, but that can be reduced to $563 a year with a liability-only policy. Good drivers can save up to $579 every year on Audi A3 insurance rates with policy discounts.

Keep reading to learn all about Audi A3 rates so you can confidently compare rates between different insurance companies.

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 car insurance costs 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 MINI Hardtop 4 Door, Chevrolet Cruze, and Ford Focus.

Vehicle Comprehensive Collision Liability Total
Audi A3 $282 $566 $398 $1,404
MINI Hardtop 4 Door $294 $566 $398 $1,416
Chevrolet Cruze $308 $594 $372 $1,432
Ford Focus $244 $536 $398 $1,336
Dodge Charger $376 $626 $466 $1,668
Audi S3 $356 $744 $264 $1,474
Cadillac CTS $320 $626 $398 $1,502
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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

The average Audi A3 car insurance rates are higher for newer models. 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
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Driver Age

Driver age can have a significant impact on the cost of Audi A3 auto insurance. For example, 20-year-old drivers pay as much as $1,779 more each year for their Audi A3 auto 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 Phoenix may pay $772 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on your Audi A3 car insurance rates. 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 tied to 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
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Audi A3 Crash Test Ratings

If the Audi A3 crash test ratings are good, you could have lower Audi A3 car insurance rates. See Audi A3 crash test results below:

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
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Audi A3 Safety Features

The Audi A3 safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Audi A3 auto insurance rates. The Audi A3’s safety features 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

Another contributing factor that plays a direct role in Audi A3 insurance rates is the loss probability for each type of coverage.

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
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Audi A3 Finance and Insurance Cost

If you are financing an Audi A3, most lenders will require your carry higher Audi A3 coverages including comprehensive coverage, so be sure to 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

If you want to reduce the cost of your Audi A3 insurance rates, follow these tips below:

  • Take a Defensive Driving Course or Any Driver’s Education Course
  • Check for Organization-Based Discounts, like Alumni or Employer Discounts
  • Add a More Experienced Driver to Your Audi A3 Policy
  • Choose an Audi A3 with Cheaper Repair Costs
  • Improve Your Credit Score

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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Compare Free Audi A3 Insurance Quotes Online

You can start comparing quotes for Audi A3 insurance from some of the top car insurance companies by using our free online tool today.

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