2023 Audi A3 Car Insurance Calculator

View in real-time how different risk factors affect car insurance rates for a 2023 Audi A3. Tweak settings like coverage deductibles, age of the driver, and policy discounts to see how insurance cost is affected. Immediately see the impact of your choices on the cost of insurance.

The average estimated car insurance premium for a 2023 Audi A3 is $2,492 per year, or about $208 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

$2,492

Cost Per Month

$208

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 2023 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.

$2,492
Average Rate
Your Rate
$2,492

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 2023 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 2023 Audi A3 is $2,492.

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.

2023 Audi A3 vs. the Midsize Luxury Car Segment

The table below compares insurance rates for the 2023 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.

2023 Audi A3 Segment Insurance Cost Comparison
Rank Make and Model Annual Premium Difference
1Cadillac CT5$2,450-$42
2Lexus ES 350$2,460-$32
3Lexus ES 250$2,472-$20
4Lexus RC 300$2,482-$10
5Mercedes-Benz AMG CLA35$2,488-$4
6Audi A3$2,492--
7Mercedes-Benz AMG CLA45$2,546$54
8Mercedes-Benz CLA250$2,554$62
9Lexus IS 300$2,568$76
10Jaguar XF$2,578$86
11Audi S4$2,628$136
12BMW i4$2,636$144
13Mercedes-Benz E350$2,654$162
14Lexus ES 300h$2,690$198
15BMW 530i$2,742$250
16Audi A6$2,798$306
17Audi S5$2,802$310
18BMW 540i$2,808$316
19BMW 430i$2,856$364
20Lexus IS 500$2,858$366
21Mercedes-Benz E450$2,886$394
22Genesis G80$2,892$400
2023 Midsize Luxury Car Average$2,899$407
23Mercedes-Benz CLS450$2,968$476
24Mercedes-Benz EQE 350$2,988$496
25Audi RS 5$2,996$504
26BMW 530e$3,014$522
27Audi S6$3,044$552
28Mercedes-Benz AMG C43$3,048$556
29BMW M440i$3,052$560
30Mercedes-Benz EQE 500$3,056$564
31Audi A7$3,176$684
32Infiniti Q50$3,180$688
33Lexus LC 500h$3,414$922
34BMW M550i$3,420$928
35Tesla Model S$3,498$1,006
36Audi S7$3,520$1,028
37BMW M5$3,624$1,132
38BMW M8$3,824$1,332

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.

2023 A3 Insurance Rates by Trim Level

The table below shows insurance rates for all trim levels available for the 2023 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.

2023 Audi A3 Insurance Rates by Trim Level
2023 Audi A3 Trim Level Annual Premium Cost Per Month
Premium FWD$2,414$201
Premium Quattro$2,474$206
Premium Plus FWD$2,514$210
Premium Plus Quattro$2,564$214

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 2023 Audi A3 for different driver ages.

2023 Audi A3 Insurance Cost for Drivers Aged 16 to 80
Driver Age Annual Premium Cost Per Month
16$8,908$742
17$8,641$720
18$7,762$647
19$7,056$588
20$5,402$450
21$5,154$430
22$4,617$385
23$3,778$315
24$3,573$298
25$2,898$242
30$2,658$222
35$2,558$213
40$2,492$208
45$2,328$194
50$2,202$184
55$2,058$172
60$2,064$172
65$2,202$184
70$2,376$198
75$2,796$233
80$3,452$288

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.