2020 Audi A3 Car Insurance Calculator

Monitor in real-time how choices you make affect the cost of insurance for a 2020 Audi A3. Play around with factors like driver's age, policy discounts, A3 trim level, and driving record. Find out instantly if the choice you make has an impact on rates and why.

The average estimated car insurance premium for a 2020 Audi A3 is $2,316 per year, or about $193 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

$2,316

Cost Per Month

$193

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 2020 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.

$2,316
Average Rate
Your Rate
$2,316

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.

The 'Average Rate' is a combined value for all 2020 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 2020 Audi A3 is $2,316.

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.

2020 Audi A3 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2020 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.

2020 Audi A3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,886-$430
2Lexus RC 300$2,168-$148
3Mercedes-Benz SLC300$2,230-$86
4Lexus ES 350$2,238-$78
5Lincoln MKZ$2,248-$68
6Mercedes-Benz AMG CLA45$2,268-$48
7Jaguar XE$2,272-$44
8Lexus IS 300$2,276-$40
9Audi A3$2,316--
10Cadillac CT5$2,354$38
11Audi S5$2,414$98
12Lexus GS 350$2,478$162
13Mercedes-Benz E350$2,488$172
14Lexus ES 300H$2,526$210
15Audi S4$2,550$234
16BMW 530i$2,558$242
17BMW 540i$2,582$266
18Mercedes-Benz CLA250$2,598$282
19Genesis G80$2,604$288
20Audi A6$2,614$298
21Mercedes-Benz E450$2,644$328
22BMW 430i$2,666$350
23Mercedes-Benz CLS450$2,700$384
24Jaguar XF$2,702$386
2020 Midsize Luxury Car Average$2,704$388
25BMW 440i$2,796$480
26Mercedes-Benz AMG C43$2,804$488
27Mercedes-Benz SL450$2,822$506
28Audi RS 5$2,838$522
29Audi S6$2,898$582
30Infiniti Q50$2,926$610
31BMW 530e$2,942$626
32Lexus GS F$3,016$700
33Mercedes-Benz AMG C63$3,056$740
34BMW M550i$3,110$794
35Mercedes-Benz SL550$3,136$820
36Tesla Model S$3,192$876
37Audi A7$3,236$920
38Lexus LC 500H$3,320$1,004
39Audi S7$3,444$1,128
40BMW M8$3,448$1,132
41BMW M5$3,494$1,178

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.

2020 A3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2020 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.

2020 Audi A3 Insurance Rates by Trim Level
2020 Audi A3 Trim Level Annual Premium Cost Per Month
2.0T Premium Plus Sedan$2,316$193
2.0T Quattro Premium Plus Sedan$2,316$193
2.0T Quattro Premium Sedan$2,316$193

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 2020 Audi A3 for different driver ages.

2020 Audi A3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,357$696
17$8,089$674
18$7,237$603
19$6,583$549
20$5,032$419
21$4,798$400
22$4,292$358
23$3,518$293
24$3,326$277
25$2,694$225
30$2,470$206
35$2,380$198
40$2,316$193
45$2,166$181
50$2,052$171
55$1,914$160
60$1,922$160
65$2,052$171
70$2,220$185
75$2,624$219
80$3,244$270

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.