Audi A3 Car Insurance Calculator

See and learn how life choices affect the cost of insurance for an Audi A3. Modify choices like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if your choice increases or decreases premium and learn exactly why.

The average estimated car insurance premium for a 2024 Audi A3 is $2,634 per year, or about $220 per month. This is based on a 40-year-old male driver with no prior driving violations or at-fault accidents. Comprehensive and collision deductibles are $500 and Uninsured and Underinsured Motorist (UM/UIM) coverage is included.

Annual Premium

$2,634

Cost Per Month

$220

The Annual Premium and Cost Per Month change instantly as you adjust calculator options.

If you change a factor that results in a higher insurance cost, the rates turn red. If you adjust a factor that saves money, the rates turn green. For a detailed explanation of each rate change, click the blue button above.

Quick Guide to Using the Insurance Rate Calculator

  1. Update Options: Adjust any settings in the form below.
  2. Observe Rate Changes: Watch how the Annual Premium at the bottom of the page changes.
  3. Get Detailed Insights: Click the blue up arrow button for an explanation of the rate change.

Key Features:

Audi A3 Options

Driver Options

Insurability Factors

Policy Coverages

Calculated vs. Average Rate

Discover how your personalized car insurance rate compares to the average annual premium for a Audi A3.

As you adjust the calculator settings, the 'Your Rate' value dynamically shifts left or right on the rate range bar. This movement visually demonstrates how your rate compares to the typical insurance cost for this vehicle model.

For continuous comparison while you explore different settings, you have the option to pin this rate range bar to the bottom of your screen.

$2,634
Average Rate
Your Rate
$2,634

The 'Average Rate' is calculated based on default options for a typical driver profile: a 40-year-old married male with good credit, no prior accidents or violations, current car insurance coverage, and homeownership. The coverage includes collision and comprehensive coverage with $500 deductibles, liability limits of 100/300/100, and includes Uninsured/Underinsured Motorist and Medical Payments coverages.

Changing the Model Year option in the calculator will reset the Average Rate to the average cost to insure that specific model year Audi A3.

The 'Average Rate' is a combined value for all Audi A3 trim levels.

Insurance Rate Analysis

Your personalized insurance analysis will appear below after modifying any options in the calculator settings above.

Based on the default settings in the calculator options, the annual premium for a 2024 Audi A3 is $2,634.

After making any changes in the calculator settings, this section will explain the choices that have a positive effect on either rates or coverage, as well as those that have a negative effect.

Factors That Favorably Influence Your Rates and Coverage

There are many things that have a positive effect on your rates, like being a mature driver, being married, having great credit, owning your home, and more.

Once you've fine-tuned the settings in our calculator, this section will provide an analysis of all the factors that have contributed to reducing your rates or improving your coverage options.

Factors That Could Increase Rates or Result in Coverage Gaps

Certain circumstances may lead to higher insurance rates or potential gaps in your coverage. These include life events such as being involved in at-fault accidents, incurring driving violations, experiencing lapses in coverage, or simply being a younger driver. While not all of these factors are within your control, many can be managed to mitigate their impact.

As you adjust the settings in our calculator, this section will detail and explain all the factors that have contributed to higher rates or reduced levels of coverage.

2024 Audi A3 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2024 Audi A3 against all other models in the midsize luxury car segment. The Audi A3 is highlighted in light orange, and the segment's average insurance rate is in light blue.

Annual Premium values in the table are based on the current selections in the rate calculator settings.

The Difference column indicates the annual premium variance between each model shown and the Audi A3, with green values denoting cheaper rates and red values indicating more expensive rates compared to the Audi A3.

After choosing a vehicle trim level in the calculator options, the rates shown will reflect your choice.

2024 Audi A3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Mercedes-Benz CLA250$2,410-$224
2Lexus IS 300$2,414-$220
3Lexus ES 350$2,446-$188
4Mercedes-Benz AMG CLA35$2,456-$178
5Lexus RC 300$2,462-$172
6Jaguar XF$2,476-$158
7Cadillac CT5$2,526-$108
8Lexus ES 250$2,534-$100
9Lexus ES 300h$2,572-$62
10Audi A3$2,634--
11Infiniti Q50$2,650$16
12Mercedes-Benz AMG CLA45$2,682$48
13Audi S4$2,692$58
14Mercedes-Benz EQE 350$2,724$90
15BMW i4$2,734$100
16Lexus IS 500$2,770$136
17BMW 530i$2,848$214
2024 Midsize Luxury Car Average$2,874$240
18Audi S5$2,890$256
19BMW 540i$2,900$266
20BMW 430i$2,940$306
21BMW i5$2,960$326
22Genesis G80$2,976$342
23Mercedes-Benz EQE 500$3,008$374
24Mercedes-Benz AMG C43$3,024$390
25Audi A6$3,036$402
26Tesla Model S$3,070$436
27BMW 530e$3,100$466
28Audi RS 5$3,106$472
29Audi S6$3,128$494
30BMW M440i$3,206$572
31Audi A7$3,268$634
32Lexus LC 500h$3,508$874
33Audi S7$3,624$990
34BMW M8$3,948$1,314

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each model.

2024 A3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2024 Audi A3.

Annual Premium and Cost Per Month values show in the table are based on the current selections in the rate calculator settings. After setting the trim level option in the calculator settings, it will be highlighted in the table.

2024 Audi A3 Insurance Rates by Trim Level
2024 Audi A3 Trim Level Annual Premium Cost Per Month
Premium FWD$2,554$213
Premium Quattro$2,616$218
Premium Plus FWD$2,658$222
Premium Plus Quattro$2,706$226

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included.

Insurance Rates by Driver Age

The table below shows average car insurance rates for the 2024 Audi A3 for different driver ages.

2024 Audi A3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$9,449$787
17$9,141$762
18$8,164$680
19$7,441$620
20$5,688$474
21$5,429$452
22$4,856$405
23$3,994$333
24$3,772$314
25$3,058$255
30$2,808$234
35$2,708$226
40$2,634$220
45$2,464$205
50$2,336$195
55$2,180$182
60$2,186$182
65$2,330$194
70$2,526$211
75$2,980$248
80$3,674$306

Data Methodology: Rated driver is male and has no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Drivers under the age of 25 are considered single, while drivers 25 and over are rated as married. Annual premium is averaged for all Audi A3 trim levels.

Average Rates by Model Year

The table below shows average car insurance rates for different model years of the Audi A3.

These values do not change with the calculator settings. These rates provide a "base average rate" to compare your calculated rate to, and the highlighted row indicates the currently selected model year.

Changing the calculator settings will cause your rate to move higher or lower than the average annual premium.

If the calculated 'Annual Premium' shown at the bottom of your screen is higher than the highlighted annual premium in the table, refer to the insurance analysis section to find out what factors might be causing the increase.

Average Audi A3 Insurance Rates by Model Year
Model Year and Vehicle Annual Premium Cost Per Month
2024 Audi A3$2,634$220
2023 Audi A3$2,492$208
2022 Audi A3$2,472$206
2021 Audi A3$2,386$199
2020 Audi A3$2,316$193
2019 Audi A3$2,236$186
2018 Audi A3$2,126$177
2017 Audi A3$2,066$172
2016 Audi A3$1,888$157
2015 Audi A3$1,702$142
2013 Audi A3$1,434$120

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Audi A3 trim levels for each model year.