Compare Audi A3 Insurance Rates [How to Find Cheap Rates]

Audi A3 insurance rates are $1,404 a year, or around $117 a month on average. 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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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jun 23, 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 are $115 cheaper than the average vehicle. You can pay as low as $117 per month for Audi A3 insurance rates. Continue reading to learn how you can save money Audi A3 insurance rates for teen drivers.

You can start comparing quotes for Audi A3 auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Audi A3 Insurance Cost

The average Audi A3 auto 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 Nissan Sentra, Subaru WRX, and Cadillac CTS.

Vehicle Comprehensive Collision Liability Total
Audi A3 $282 $566 $398 $1,404
Nissan Sentra $254 $570 $390 $1,372
Subaru WRX $320 $566 $338 $1,360
Cadillac CTS $320 $626 $398 $1,502
Kia Optima $322 $532 $420 $1,454
Audi S3 $356 $744 $264 $1,474
Ford Focus $244 $536 $398 $1,336
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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?

You might have noticed that there is a multitude of factors that impact Audi A3 auto insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Audi A3.

Age of the Vehicle

Older Audi A3 models generally cost less to insure. For example, auto 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 Audi A3 auto insurance rates. As an example, a 40-year-old driver could pay $148 less each month for their Audi A3 auto insurance compared to a 20-year-old driver.

Driver Location

Where you live can have a large impact on Audi A3 insurance rates. For example, drivers in Jacksonville may pay $843 a year more than drivers in Indianapolis.

Your Driving Record

Your driving record can have an impact on the cost of Audi A3 auto insurance. Teens and drivers in their 20’s see the highest jump in their Audi A3 auto 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

Audi A3 crash test ratings can impact the cost of your Audi A3 auto insurance. 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 can help lower insurance costs. According to AutoBlog, the 2020 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 Audi A3’s insurance loss probability varies for each form of coverage. The lower percentage means lower Audi A3 auto insurance rates; higher percentages mean higher Audi A3 auto insurance rates.

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 auto insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Audi A3 Insurance

There are many ways that you can save on Audi A3 auto insurance. Below are five actions you can take to find cheap Audi A3 auto insurance rates.

  • Use an Accurate Job Title When Requesting Audi A3 Insurance Rates
  • Tell Your Insurer How You Use Your Audi A3
  • Check Your Audi A3 Policy Carefully to Ensure All Information is Correct
  • Pay Your Audi A3 Insurance Upfront
  • Ask About Retiree Discounts

Top Audi A3 Insurance Companies

Who is the top 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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