2021 Audi A3 Car Insurance Calculator

Watch in real-time how changing risk factors impact the insurance cost for a 2021 Audi A3. Fine-tune factors like liability limits, policy deductibles, driver age, and policy discounts. Instantly know if the choice you made has a positive or negative impact on rates and exactly why.

The average estimated car insurance premium for a 2021 Audi A3 is $2,386 per year, or about $199 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

$2,386

Cost Per Month

$199

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 2021 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.

$2,386
Average Rate
Your Rate
$2,386

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 2021 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 2021 Audi A3 is $2,386.

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.

2021 Audi A3 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2021 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.

2021 Audi A3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Acura ILX$1,946-$440
2Lexus RC 300$2,240-$146
3Lexus ES 350$2,310-$76
4Mercedes-Benz AMG CLA45$2,322-$64
5Lexus IS 300$2,352-$34
6Audi A3$2,386--
7Cadillac CT5$2,428$42
8Audi S5$2,494$108
9Mercedes-Benz E350$2,568$182
10Lexus ES 300H$2,606$220
11Audi S4$2,630$244
12BMW 530i$2,638$252
13BMW 540i$2,668$282
14Mercedes-Benz CLA250$2,682$296
15Genesis G80$2,692$306
16Audi A6$2,698$312
17Mercedes-Benz E450$2,732$346
18BMW 430i$2,754$368
19Jaguar XF$2,756$370
20Mercedes-Benz CLS450$2,790$404
2021 Midsize Luxury Car Average$2,813$427
21Mercedes-Benz AMG C43$2,880$494
22BMW 440i$2,894$508
23Audi RS 5$2,926$540
24Audi S6$2,994$608
25Infiniti Q50$3,016$630
26BMW 530e$3,032$646
27Mercedes-Benz AMG C63$3,158$772
28BMW M550i$3,220$834
29Tesla Model S$3,298$912
30Audi A7$3,344$958
31Lexus LC 500H$3,432$1,046
32Audi S7$3,562$1,176
33BMW M8$3,576$1,190
34BMW M5$3,612$1,226

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. Premiums are averaged for all trim levels for each model.

2021 A3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2021 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.

2021 Audi A3 Insurance Rates by Trim Level
2021 Audi A3 Trim Level Annual Premium Cost Per Month
2.0T Premium Plus Sedan$2,386$199
2.0T Quattro Premium Plus Sedan$2,388$199
2.0T Quattro Premium Sedan$2,388$199

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 2021 Audi A3 for different driver ages.

2021 Audi A3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,601$717
17$8,331$694
18$7,464$622
19$6,786$566
20$5,190$433
21$4,947$412
22$4,428$369
23$3,624$302
24$3,427$286
25$2,776$231
30$2,546$212
35$2,452$204
40$2,386$199
45$2,232$186
50$2,112$176
55$1,972$164
60$1,980$165
65$2,112$176
70$2,286$191
75$2,698$225
80$3,338$278

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.