Audi A3 Car Insurance Cost
The average annual cost to insure an Audi A3 is $2,018. However, the actual cost may vary depending on factors such as your age, the car’s model year, and other details. You can use our quote tables below to estimate your specific insurance costs.
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If you’re thinking about buying an Audi A3, you’ll need to factor in the cost of insurance. On average, insurance for an Audi A3 costs $2,018 per year. Insurance is a big part of owning a car, and it’s important to understand its implications before making your purchase.
Choosing the right car insurance is crucial to avoid unexpected and potentially high expenses in the future. You don’t want to end up with inadequate coverage if an accident happens, leaving you with significant out-of-pocket costs. Plus, there’s the risk of facing higher premiums if you’re at fault in an accident.
With over a decade of experience analyzing car insurance rates, I’ve seen how much these costs can vary. Factors like your age, driving record, and even where you live can all have a big impact on your insurance premiums.
How Much Does An Audi A3 Car Insurance Cost?
Audi A3 owners typically pay an average of $2,018 annually for car insurance.
It’s important to understand that car insurance costs can vary widely due to several factors. These include your location, driving history, the model year of your car, and the coverage options you choose. A clean driving record can lead to lower premiums, while accidents or traffic violations may increase your costs.
Living in an urban area with heavy traffic may also result in higher insurance rates compared to rural areas with less congestion. Additionally, the type of coverage you select affects your premium. Comprehensive insurance, which covers both comprehensive and collision, is generally more expensive than minimum liability coverage.
As shown in the table below, insurance for an Audi A3 is higher than the average cost for all Audi models, but it is still more affordable than the average cost for all cars. Insuranceopedia can help you compare quotes from different auto insurance providers to ensure you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Audi A3 | $197 |
| All Audis | $178 |
| All Cars | $175 |
Average Insurance Cost Of Audi A3 By Model Year
| Model Year | Average Premium |
| 2024 Audi A3 | $3,512 |
| 2023 Audi A3 | $2,977 |
| 2022 Audi A3 | $1,338 |
| 2021 Audi A3 | $1,448 |
| 2020 Audi A3 | $1,155 |
| 2019 Audi A3 | $1,032 |
| 2018 Audi A3 | $932 |
| 2017 Audi A3 | $1,105 |
| 2016 Audi A3 | $1,099 |
| 2015 Audi A3 | $703 |
| 2014 Audi A3 | $1,103 |
| 2013 Audi A3 | $1,172 |
| 2012 Audi A3 | $813 |
| 2011 Audi A3 | $1,056 |
| 2010 Audi A3 | $933 |
2024 Audi A3 Insurance Rates
The average annual insurance cost for a 2024 Audi A3 is $3,512. However, Unitrin offers the cheapest rates, averaging $1,715 per year.
| Insurance Provider | Average Annual Cost |
| State Farm | $1,609 |
| Unitrin | $1,715 |
| Allied | $2,370 |
| Mercury | $2,729 |
| Direct General Insurance | $3,373 |
| Allstate | $3,613 |
| Metropolitan | $4,108 |
| United Automobile Ins Group | $4,121 |
| Direct Auto | $5,246 |
| Dairyland Auto | $6,240 |
2023 Audi A3 Insurance Rates
The average annual insurance cost for a 2023 Audi A3 is $1,338. However, Unitrin offers the cheapest rates, averaging $1,595 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,595 |
| Allied | $2,380 |
| New York Central Mutual Fire | $2,398 |
| State Farm | $2,530 |
| Mercury | $2,696 |
| Direct General Insurance | $3,393 |
| USAA | $3,487 |
| Travelers | $3,541 |
| Erie | $3,632 |
| Nationwide | $4,117 |
2022 Audi A3 Insurance Rates
The average annual insurance cost for a 2022 Audi A3 is $1,338. However, Mercury Insurance offers the cheapest rates, averaging $455 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $455 |
| Victoria | $521 |
| American National P | $1,000 |
| Texas Farm Bureau Group | $1,038 |
| SafeAuto | $1,230 |
| New Jersey Manufacturers | $1,367 |
| Republic Indemnity | $1,831 |
| Farmers Mutual of Nebraska | $1,942 |
| Auto-Owners Insurance Co | $1,941 |
| American Family | $2,050 |
2021 Audi A3 Insurance Rates
The average annual insurance cost for a 2021 Audi A3 is $1,448. However, Titan offers the cheapest rates, averaging $810 per year.
| Insurance Provider | Average Annual Cost |
| Titan | $810 |
| Utica National Ins Group | $1,093 |
| North Carolina Farm Bureau | $1,138 |
| GMAC Insurance Group | $1,352 |
| Erie | $1,335 |
| Texas Farm Bureau Group | $1,414 |
| Travelers | $1,687 |
| USAA | $1,800 |
| Nationwide | $1,923 |
| 21st Century | $1,928 |
2020 Audi A3 Insurance Rates
The average annual insurance cost for a 2020 Audi A3 is $1,155. However, Safeco offers the cheapest rates, averaging $313 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $313 |
| Buckeye Insurance Group | $1,006 |
| Acuity | $1,086 |
| Western Reserve | $1,077 |
| Hastings Mutual Insurance Co | $1,255 |
| Frankenmuth Mutual | $1,288 |
| Ohio Mutual Ins Group | $1,258 |
| Farm Bureau Mutual (IA Group) | $1,335 |
| Kemper Auto | Infinity | $1,428 |
| Georgia Farm Bureau | $1,502 |
2019 Audi A3 Insurance Rates
The average annual insurance cost for a 2019 Audi A3 is $1,032. However, Safeco offers the cheapest rates, averaging $764 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $764 |
| American National P | $1,035 |
| Utica National Ins Group | $1,224 |
| Plymouth Rock Assurance | $1,262 |
| North Carolina Farm Bureau | $1,357 |
| Titan | $1,442 |
| SECURA Insurance | $1,595 |
| Georgia Farm Bureau | $1,586 |
| West Bend Mutual | $1,618 |
| New Jersey Manufacturers | $1,669 |
2018 Audi A3 Insurance Rates
The average annual insurance cost for a 2018 Audi A3 is $932. However, Mercury Insurance offers the cheapest rates, averaging $167 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $167 |
| American National P | $617 |
| SAFECO | $814 |
| Pekin Insurance | $859 |
| Dairyland Realtime | $961 |
| Concord Group | $1,112 |
| Kemper Premium | $1,125 |
| SECURA Insurance | $1,107 |
| PEMCO | $1,224 |
| Utica National Ins Group | $1,338 |
2017 Audi A3 Insurance Rates
The average annual insurance cost for a 2017 Audi A3 is $1,105. However, Safeco offers the cheapest rates, averaging $852 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $852 |
| American National P | $855 |
| Concord Group | $930 |
| NatGen Value | $924 |
| Bear River | $1,056 |
| Virginia Farm Bureau | $1,133 |
| Ohio Mutual Ins Group | $1,202 |
| Pekin Insurance | $1,359 |
| Indiana Farmers Mutual Ins | $1,362 |
| Buckeye Insurance Group | $1,374 |
2016 Audi A3 Insurance Rates
The average annual insurance cost for a 2016 Audi A3 is $1,099. However, Safeco offers the cheapest rates, averaging $836 per year.
| Insurance Provider | Average Annual Cost |
| Jupiter Auto Insurance | $843 |
| Safeco | $836 |
| American National P | $912 |
| Concord Group | $1,041 |
| Mercury Insurance | $1,149 |
| Rural Mutual Insurance | $1,207 |
| General Casualty | $1,224 |
| Nodak Mutual | $1,239 |
| Pekin Insurance | $1,268 |
| MMG Insurance Company | $1,268 |
Find Affordable Audi A3 Insurance Rates
2015 Audi A3 Insurance Rates
The average annual insurance cost for a 2015 Audi A3 is $703. However, Kemper Premium offers the cheapest rates, averaging $250 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Premium | $250 |
| Mercury Insurance | $447 |
| Kemper Personal Insurance | $467 |
| SAFECO | $572 |
| American National P | $698 |
| American National P&C | $745 |
| Kemper Auto | Infinity | $878 |
| Kentucky Farm Bureau | $947 |
| Commerce Group Inc | $967 |
| Indiana Farmers Mutual Ins | $1,058 |
2014 Audi A3 Insurance Rates
The average annual insurance cost for a 2014 Audi A3 is $1,103. However, Direct General Insurance offers the cheapest rates, averaging $747 per year.
| Insurance Provider | Average Annual Cost |
| Direct General Insurance | $747 |
| Quincy Mutual | $1,009 |
| USAA | $1,002 |
| Utica National Ins Group | $1,068 |
| Unitrin | $1,098 |
| State Farm | $1,131 |
| Erie | $1,150 |
| Encompass | $1,243 |
| Virginia Farm Bureau | $1,233 |
| Chubb | $1,351 |
2013 Audi A3 Insurance Rates
The average annual insurance cost for a 2013 Audi A3 is $1,172. However, Safeco offers the cheapest rates, averaging $555 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $555 |
| SECURA Insurance | $744 |
| Erie | $1,049 |
| USAA | $1,133 |
| Clearcover | $1,233 |
| Chubb | $1,242 |
| Virginia Farm Bureau | $1,336 |
| Farm Bureau Mutual (IA Group) | $1,440 |
| 21st Century | $1,491 |
| Auto-Owners Insurance Co | $1,498 |
2012 Audi A3 Insurance Rates
The average annual insurance cost for a 2012 Audi A3 is $813. However, American National P offers the cheapest rates, averaging $411 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $411 |
| SAFECO | $445 |
| NatGen Value | $710 |
| Mercury Insurance | $823 |
| Dairyland Auto | $835 |
| Virginia Farm Bureau | $884 |
| Concord Group | $947 |
| Clearcover | $967 |
| Indiana Farmers Mutual Ins | $1,032 |
| Pekin Insurance | $1,076 |
2011 Audi A3 Insurance Rates
The average annual insurance cost for a 2011 Audi A3 is $1,056. However, Mercury Insurance offers the cheapest rates, averaging $338 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance | $338 |
| SECURA Insurance | $746 |
| Clearcover | $842 |
| Western National | $1,036 |
| Country | $1,095 |
| Farm Bureau Mutual (IA Group) | $1,144 |
| Oregon Mutual | $1,171 |
| New Jersey Manufacturers | $1,246 |
| Direct Auto | $1,445 |
| Dairyland Scored | $1,494 |
2010 Audi A3 Insurance Rates
The average annual insurance cost for a 2010 Audi A3 is $933. However, American National P offers the cheapest rates, averaging $330 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $330 |
| Farm Bureau Mutual (IA Group) | $809 |
| Southern Farm Bureau | $812 |
| Auto-Owners Insurance Co | $963 |
| Electric | $1,012 |
| MO Farm Bureau Services | $1,064 |
| National Grange Mutual | $1,080 |
| Oregon Mutual | $1,074 |
| Country | $1,073 |
| Texas Farm Bureau Group | $1,112 |
Find Affordable Audi A3 Insurance Rates
Is An Audi A3 Expensive To Insure?
The cost to insure an Audi A3 is higher than the overall average for all cars. However, the exact amount you’ll pay for insurance will depend on several factors, including your age, the age of your car, your location, and more.
Cost of Audi A3 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents. As you get older and your risk decreases, your premiums tend to go down.
| Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $7,530 | $11,026 | $12,921 |
| 18 | $7,009 | $10,277 | $12,030 |
| 19 | $6,175 | $9,108 | $10,647 |
| 20 | $5,388 | $7,926 | $9,282 |
| 21 | $4,512 | $6,629 | $7,769 |
| 22 | $4,409 | $6,466 | $7,577 |
| 23 | $3,849 | $5,674 | $6,624 |
| 24 | $3,674 | $5,383 | $6,311 |
| 25 | $3,168 | $4,634 | $5,441 |
| 30 | $2,460 | $3,618 | $4,238 |
| 35 | $2,292 | $3,369 | $3,972 |
| 40 | $2,210 | $3,279 | $3,810 |
| 45 | $2,171 | $3,157 | $3,702 |
| 55 | $1,999 | $2,910 | $3,417 |
| 65 | $2,061 | $3,044 | $3,545 |
| 75 | $2,622 | $3,822 | $4,494 |
Audi A3 Car Insurance Rates By State
Your location plays a major role in how insurance companies determine rates. Each state has its own auto insurance regulations, which can affect costs. For example, Michigan drivers typically pay higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate of your area can impact rates, as states with extreme weather, such as hurricanes, storms, or flooding, may see higher costs. Local statistics on crime, car accidents, thefts, and fatalities also influence insurance calculations. All of these factors are considered when determining your Audi A3 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,087 | $4,408 | $5,673 |
| Alaska | $2,556 | $3,519 | $3,442 |
| Arizona | $2,846 | $4,155 | $6,081 |
| Arkansas | $3,126 | $4,913 | $5,471 |
| California | $3,532 | $6,156 | $3,514 |
| Colorado | $3,291 | $4,609 | $5,819 |
| Connecticut | $4,192 | $6,490 | $8,168 |
| Delaware | $3,431 | $4,625 | $5,930 |
| Florida | $4,131 | $5,669 | $7,427 |
| Georgia | $3,389 | $4,991 | $5,079 |
| Hawaii | $1,323 | $1,836 | $1,307 |
| Idaho | $2,312 | $3,101 | $3,728 |
| Illinois | $2,417 | $3,713 | $4,171 |
| Indiana | $2,515 | $3,866 | $4,299 |
| Iowa | $1,950 | $2,746 | $3,159 |
| Kansas | $2,617 | $3,799 | $4,472 |
| Kentucky | $3,768 | $5,611 | $6,583 |
| Louisiana | $4,920 | $7,376 | $8,040 |
| Maine | $1,820 | $2,545 | $3,792 |
| Maryland | $2,972 | $4,329 | $4,810 |
| Massachusetts | $2,376 | $4,153 | $2,441 |
| Michigan | $5,776 | $8,848 | $13,945 |
| Minnesota | $2,411 | $3,163 | $4,435 |
| Mississippi | $2,843 | $4,121 | $4,148 |
| Missouri | $2,695 | $3,862 | $5,080 |
| Montana | $2,779 | $3,866 | $4,462 |
| Nebraska | $2,352 | $3,458 | $3,773 |
| Nevada | $3,868 | $5,677 | $6,008 |
| New Hampshire | $2,692 | $4,236 | $5,376 |
| New Jersey | $2,963 | $4,600 | $6,062 |
| New Mexico | $3,027 | $4,489 | $4,625 |
| New York | $2,754 | $3,537 | $5,827 |
| North Carolina | $1,770 | $2,982 | $2,096 |
| North Dakota | $2,344 | $3,566 | $4,287 |
| Ohio | $2,093 | $3,295 | $3,364 |
| Oklahoma | $3,398 | $4,832 | $5,464 |
| Oregon | $3,081 | $4,126 | $4,937 |
| Pennsylvania | $2,606 | $3,756 | $4,446 |
| Rhode Island | $4,355 | $6,338 | $7,082 |
| South Carolina | $2,891 | $4,099 | $5,617 |
| South Dakota | $2,665 | $3,748 | $4,393 |
| Tennessee | $3,107 | $4,569 | $6,070 |
| Texas | $3,076 | $4,518 | $5,598 |
| Utah | $2,687 | $3,732 | $5,129 |
| Vermont | $2,060 | $3,149 | $3,358 |
| Virginia | $1,929 | $2,960 | $2,859 |
| Washington | $2,522 | $3,465 | $4,135 |
| West Virginia | $2,533 | $3,619 | $4,539 |
| Wisconsin | $2,560 | $3,987 | $4,568 |
| Wyoming | $2,345 | $3,369 | $3,565 |
Cheapest Car Insurance Companies For An Audi A3
Your location plays a major role in how insurance companies determine rates. Each state has its own auto insurance regulations, which can affect costs. For example, Michigan drivers typically pay higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate of your area can impact rates, as states with extreme weather, such as hurricanes, storms, or flooding, may see higher costs. Local statistics on crime, car accidents, thefts, and fatalities also influence insurance calculations. All of these factors are considered when determining your Audi A3 insurance rate.
| Company | Average Monthly Rate |
| Hugo | $32 |
| Aspire | $56 |
| AnswerFinancial | $45 |
| Sun Coast | $54 |
| CSAA | $54 |
Common Audi A3 Insurance Discounts
Discounts can be an excellent way to reduce your car insurance premiums. While each provider offers its own set of discounts, here are some common ones to explore:
- Multi-policy discount: Bundle your home and auto insurance with the same provider to receive a reduced rate.
- Annual payment discount: Paying your entire premium upfront instead of in monthly installments can lead to savings.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for lower premiums.
Other discounts may also be available, so it’s a good idea to consult with your insurance agent to identify all the options you qualify for.
Ways To Save On Audi A3 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to lower your Audi A3 insurance costs. Speeding tickets or accidents can significantly increase your premiums. For example, Audi A3 drivers with a single ticket typically pay $87 per month, while those with multiple accidents see an average cost of $113 per month. Avoiding these incidents helps keep your rates more affordable.
Additionally, low annual mileage can reduce insurance costs. Drivers who spend less time on the road are at a lower risk of accidents, which makes them cheaper to insure. Audi A3 drivers covering 5,000 to 7,500 miles annually pay about $78 per month, whereas those driving over 10,000 miles a year pay closer to $88 per month.
Compare Audi A3 To Other Audi Models
Looking for other Audi model insurance costs?
- Audi A4 Car Insurance
- Audi Q5 Car Insurance
- Audi Q3 Car Insurance
- Audi A5 Car Insurance
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- Audi Q7 Car Insurance
- Audi S4 Car Insurance
- Audi A6 Car Insurance
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- Audi S5 Car Insurance
- Audi A8 Car Insurance
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- Audi S6 Car Insurance
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- Audi TT Car Insurance
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- Audi RS3 Car Insurance
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Our Methodology
To determine the average cost of car insurance, Insuranceopedia analyzed thousands of quotes from top auto insurers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that these figures may differ from your personal results based on your specific circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase An Audi A3?
Yes, proof of insurance is required before you can drive your Audi A3 off the dealership lot. It’s best to secure a policy in advance and inform your insurance company about your upcoming purchase, rather than relying on the dealership to provide insurance.
How Can You Get The Cheapest Insurance For Your Audi A3?
The most effective way to secure the lowest rates for your Audi A3 is to shop around and compare quotes from various auto insurance companies. Thankfully, Insuranceopedia makes this process simple by allowing you to compare quotes from multiple providers directly on our website.
