Audi S3 Car Insurance Cost 2025

On average, the cost of insuring an Audi S3 is $1,586 per year. However, this can vary depending on factors such as your age, the specific year of the car model, and other personal considerations. To get a more accurate estimate of your insurance costs, you can use our quote tables to compare different rates based on your individual profile.

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Updated: 14 January 2025
Written by Bob Phillips
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If you’re considering purchasing an Audi S3, it’s crucial to consider the cost of insurance. On average, insurance for an Audi S3 costs $1,586 per year. Insurance plays a significant role in car ownership, and understanding the financial commitment beforehand is important.

Selecting the appropriate car insurance is essential to prevent unexpected and potentially costly surprises down the road. It’s crucial to have adequate coverage in case of an accident to avoid substantial out-of-pocket expenses. Additionally, being responsible for an accident could lead to increased premiums.

With over ten years of experience studying car insurance rates, I’ve noticed the considerable variation in these costs. Your age, driving history, and location are all significant factors that can influence your insurance premiums.

How Much Does An Audi S3 Car Insurance Cost?

On average, Audi S3 owners can expect to pay around $1,586 annually for car insurance.

The cost of car insurance can vary widely depending on several factors. These include your location, driving history, the model year of your car, and the specific coverage options you choose. Drivers with a clean record typically pay lower premiums, while those with accidents or violations may face higher rates.

Additionally, living in a busy urban area with heavy traffic can lead to higher insurance rates compared to rural locations with less congestion. The type of coverage you select also affects your premium, with comprehensive insurance (covering both comprehensive and collision) generally being more expensive than basic liability coverage.

As shown in the table below, Audi S3 insurance tends to be higher than the average for all Audi models. However, it still costs more than the average for all vehicles.

Insuranceopedia helps you compare quotes from multiple auto insurance companies to ensure you get the best deal for your needs.

Vehicle Average Monthly Premium
Audi S3 $197
All Audis $195
All Cars $175

Average Insurance Cost Of Audi S3 By Model Year

Model Year Average Premium
2024 Audi S3 $3,289
2021 Audi S3 $3,018
2020 Audi S3 $1,778
2019 Audi S3 $1,579
2018 Audi S3 $2,342
2017 Audi S3 $1,875
2016 Audi S3 $2,004
2015 Audi S3 $1,699

2024 Audi S3 Insurance Rates

The average annual insurance cost for a 2024 Audi S3 is $3,289. However, Virginia Farm Bureau offers the cheapest rates, averaging $1,059 per year.

Insurance Provider Average Annual Cost
Mercury $2,283
Nationwide $3,602
Unitrin $5,423
Direct General Insurance $4,212
Virginia Farm Bureau $1,059
Allied $4,785
Plymouth Rock Assurance $2,086
Travelers $3,854
Metropolitan $2,293

2021 Audi S3 Insurance Rates

The average annual insurance cost for a 2021 Audi S3 is $3,018. However, Travelers offers the cheapest rates, averaging $2,014 per year.

Insurance Provider Average Annual Cost
Travelers $2,014
New York Central Mutual Fire $2,385
USAA $2,558
Erie $2,713
Central Mutual Insurance Co $3,037
Nationwide $3,060
Unitrin $3,340
Hanover $3,585
State Farm $3,649
Encompass $3,841

2020 Audi S3 Insurance Rates

The average annual insurance cost for a 2020 Audi S3 is $1,778. However, Texas Farm Bureau Group offers the cheapest rates, averaging $1,190 per year.

Insurance Provider Average Annual Cost
Esurance $1,819
USAA $1,849
Allstate $2,883
Nationwide $1,360
National General $1,713
Texas Farm Bureau Group $1,190
Encompass $2,043
Republic Indemnity $2,260
State Farm $1,335
Mercury $1,327

2019 Audi S3 Insurance Rates

The average annual insurance cost for a 2019 Audi S3 is $1,579. However, Buckeye Insurance Group offers the cheapest rates, averaging $972 per year.

Insurance Provider Average Annual Cost
Ohio Mutual Ins Group $1,587
Celina Insurance Group $1,648
Motorists Mutual $1,954
Texas Farm Bureau Group $1,199
Western Reserve $1,761
Buckeye Insurance Group $972
Cincinnati Insurance $1,702
National General $1,629
Mercury $1,662
Westfield $1,673

2018 Audi S3 Insurance Rates

The average annual insurance cost for a 2018 Audi S3 is $2,342. However, North Carolina Farm Bureau offers the cheapest rates, averaging $1,499 per year.

Insurance Provider Average Annual Cost
Direct Auto $2,093
North Carolina Farm Bureau $1,499
Direct General Insurance $3,123
Penn National $2,099
State Farm $2,401
CSAA $2,460
Allied $2,085
Mercury $2,815
GMAC Insurance Group $1,828
Erie $3,017

2017 Audi S3 Insurance Rates

The average annual insurance cost for a 2017 Audi S3 is $1,875. However, National Farmers Union P offers the cheapest rates, averaging $1,131 per year.

Insurance Provider Average Annual Cost
Liberty Mutual $2,382
Farm Bureau Mutual (IA Group) $1,375
Allied $2,557
Shelter $2,255
National Farmers Union P $1,131
Mercury Insurance Company $1,855
Erie $1,537
Virginia Farm Bureau $1,437
Travelers $1,987
USAA $2,237

2016 Audi S3 Insurance Rates

The average annual insurance cost for a 2016 Audi S3 is $2,004. However, Dairyland offers the cheapest rates, averaging $1,079 per year.

Insurance Provider Average Annual Cost
Mercury $2,439
California Capital $2,440
PEMCO $2,030
New Jersey Manufacturers $2,168
CSAA $2,205
Dairyland $1,079
SECURA Insurance $1,626
Capital Insurance Group $1,644
Penn National $2,510
Hartford $1,903

2015 Audi S3 Insurance Rates

The average annual insurance cost for a 2015 Audi S3 is $1,699. However, Colorado Farm Bureau Mutual offers the cheapest rates, averaging $1,127 per year.

Insurance Provider Average Annual Cost
Dairyland $1,699
Acuity $2,591
National General $1,793
National Farmers Union P $1,353
Republic Indemnity $1,643
Colorado Farm Bureau Mutual $1,127
Chubb $2,177
SECURA Insurance $1,932
New York Central Mutual Fire $1,483
Texas Farm Bureau Group $1,196

Find Affordable Audi S3 Insurance Rates

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Is An Audi S3 Expensive To Insure?

Insuring an Audi S3 generally costs more than the average for all cars. However, the actual price you’ll pay for car insurance depends on several factors, including your age, the age of your car, your location, and other personal details.

Cheapest Car Insurance Companies For An Audi S3

If you’re looking to purchase a new car insurance policy for your Audi S3, you may want to know which insurance companies offer the most affordable rates. Shelter Mutual offers the cheapest premium for Audi S3 drivers, at $25 per month. However, rates can vary depending on your driver profile, so this is just an average. To find the best rates for your specific situation, it’s important to shop around and compare quotes from different providers.

Company Average Monthly Rate
Shelter Mutual $25
SafeAuto $58
MetroMile $36
Clearcover $56
Freedom $40

Common Audi S3 Insurance Discounts

Discounts can be a great way to reduce your car insurance costs. While each insurer offers different types of discounts, there are some common ones to look out for:

  • Multi-policy: Bundling your home and auto insurance with the same provider can often result in a discounted rate.
  • Pay annually: If you pay your premium in full for the year, rather than in monthly installments, you may receive a discount.
  • Defensive driving: Completing a defensive driving course from an accredited institution can qualify you for lower rates.

There may be additional discounts available. It’s a good idea to consult with your insurance agent to explore all the options you’re eligible for.

Ways To Save On Audi S3 Insurance Costs

Maintaining a clean driving record is one of the best ways to keep your Audi S3 insurance costs down. Getting a speeding ticket or being involved in an accident can raise your premiums.

Audi S3 drivers with a ticket on their record can expect to pay $37 per month, while those with multiple accidents will pay an average of $125 per month. By avoiding these incidents, you can keep your insurance costs low.

Additionally, drivers with low annual mileage pay less for Audi S3 insurance, as drivers on the road less frequently have fewer chances of getting into accidents, making them a lower risk to insure.

Audi S3 drivers who drive between 5,000 and 7,500 miles per year will pay around $57 per month for car insurance. In contrast, those who drive over 10,000 miles per year will pay $120 per month.

Our Methodology

To calculate average car insurance costs, Insuranceopedia gathered data from thousands of quotes provided by top auto insurance companies. The sample profile used was for a 40-year-old male driver purchasing full-coverage insurance, with coverage limits of $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the numbers provided in this guide may differ based on your personal situation and profile.

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Quotes Analyzed

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FAQs

Do You Need Insurance Before You Can Purchase An Audi S3?

Before you can drive your Audi S3 off the dealership lot, you will need to provide proof of insurance. It’s recommended that you purchase an insurance policy in advance and inform your insurance provider that you are about to buy the car. This way, you can ensure you’re covered right away, rather than relying on the dealership for insurance.

How Can You Get The Cheapest Insurance For Your Audi S3?

To find the most affordable rates for your Audi S3, the best approach is to shop around and compare quotes from various auto insurance companies. Fortunately, Insuranceopedia makes this process easier by allowing you to compare quotes from multiple providers directly on our website.

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