Is it Cheaper to Insure a Mercedes-Benz C300 or Audi S3?

• For a 2023 Mercedes-Benz C300, rates range from $2,418 to $2,582 per year, while insurance for a 2023 Audi S3 costs from $2,472 to $2,628.
• Out of 19 models in the 2023 compact luxury car automotive segment, the Mercedes-Benz C300 ranks ninth and the Audi S3 ranks 13^th for overall insurance affordability.
• When compared to the average cost of car insurance in the U.S. of $2,221 per year, the Mercedes-Benz C300 costs $293 more per year, while the Audi S3 costs $325 more per year.

Is a Mercedes C300 or Audi S3 cheaper to insure?

When comparing the Mercedes-Benz C300 and Audi S3 for the 2023 model year, the model with cheaper average insurance rates is the Mercedes-Benz C300. Insurance rates on a Mercedes-Benz C300 cost an average of $2,514 per year, whereas insurance for an Audi S3 costs an average of $2,546 per year.

For the seven trims available for the 2023 Mercedes-Benz C300, the cheapest trim to insure is the Premium Sedan model at an average cost of $2,418 per year, or around $202 per month. Out of the three trim levels available for the Audi S3, the cheapest 2023 model to insure is the Premium trim at a cost of $2,472.

When car insurance rates for all 10 trims of both models are combined and sorted by cost, the overall cheapest vehicle to insure is the Mercedes-Benz C300 Premium Sedan at an average rate of $2,418 per year. The highest-cost model and trim level is the Audi S3 Prestige at a cost of $2,628 per year.

The table below compares the annual and monthly cost of car insurance for 2023 Mercedes-Benz C300 and Audi S3 models, broken down by individual trim level.

The chart below displays the average cost to insure the two models with different driver age groups. For a 2023 Mercedes-Benz C300, the average car insurance cost ranges from $2,222 to $5,028 per year for the age groups used in this illustration. A 2023 Audi S3 costs from $2,244 to $5,130 to insure per year.

The next two tables show both 2023 models and all trim levels available for each one, as well as an average rate for each model. The model with the cheapest car insurance rates for 2023 is the Mercedes-Benz C300.

2022 Mercedes-Benz C300 vs. Audi S3

Car insurance for a 2022 Mercedes-Benz C300 averages $2,544 per year, and a 2022 Audi S3 averages $2,484 per year, making the Audi S3 the cheapest to insure for this model year.

For the Mercedes-Benz C300, rates range from the cheapest price of $2,426 per year for the Sedan model up to the most expensive rate of $2,618 for the 4Matic Convertible model.

For the 2022 Audi S3, rates range from $2,414 per year on the Premium model up to $2,562 on the Prestige model.

When comparing both models at a trim-level basis, the overall cheapest vehicle to insure is the Audi S3 Premium at a cost of $2,414 per year. The highest-cost model and trim is the Mercedes-Benz C300 4Matic Convertible at an average cost of $2,618 per year.

The rate table below ranks the annual and monthly car insurance cost for 2022 Mercedes-Benz C300 and Audi S3 models, with average rates for each trim level.

The chart shown below visualizes the average car insurance cost for both models rated for drivers aged 20 to 50.

For a 2022 Mercedes-Benz C300, the average cost of car insurance ranges from $2,250 to $5,102 per year for the five different driver ages shown in the chart.

Insurance for a 2022 Audi S3 ranges from $2,190 to $5,018 on average per year.

The 2022 Mercedes-Benz C300 has six trims available, with the cheapest model to insure being the Sedan trim at an average cost of $2,426 per year. For the three different trims available for the Audi S3, the cheapest 2022 model to insure is the Premium model at a cost of $2,414 per year, or about $201 per month.

When insurance prices for all nine trims of both models are combined and sorted by cost, the lowest-cost model and trim level to put coverage on is the Audi S3 Premium at a cost of $2,414 per year. The most expensive vehicle to insure is the Mercedes-Benz C300 4Matic Convertible costing an average of $2,618 per year.

The next tables display the average cost to insure all 2022 trim levels, along with an average cost for each model. The cheapest model to insure for the 2022 model year is the Audi S3.

2021 Mercedes-Benz C300 vs. Audi S3

For 2021 Mercedes-Benz C300 and Audi S3 models, the Audi S3 has cheaper car insurance rates by $132 per year.

The next chart visualizes the average car insurance cost for the two models for drivers aged 20 to 50. The average cost of full-coverage insurance ranges from $2,220 to $5,070 per year on a 2021 Mercedes-Benz C300, and $2,100 to $4,816 on a 2021 Audi S3 for the five driver age examples in the chart

For the six trims available for the 2021 Mercedes-Benz C300, the cheapest trim level to insure is the 4Matic Sedan model at an average cost of $2,382 per year.

Out of the two trim levels available for the Audi S3, the cheapest 2021 trim to insure is the 2.0 Quattro Premium Sedan trim at a cost of $2,348 per year, or around $196 per month.

When all eight trims of both models are combined and compared, the cheapest trim to insure is the Audi S3 2.0 Quattro Premium Sedan at an average rate of $2,348 per year, and the overall most expensive vehicle to insure is the Mercedes-Benz C300 4Matic Coupe costing $2,620 per year.

The tables shown below show average cost to insure each trim level for a 2021 Mercedes-Benz C300 and Audi S3, including an overall average rate. The model with the cheapest average car insurance rates for 2021 is the Audi S3.

2020 Mercedes-Benz C300 vs. Audi S3

For the 2020 Mercedes-Benz C300 and Audi S3 models, the Audi S3 is cheaper to insure by an average of $128 per year.

The next chart displays the average cost to insure both 2020 models rated for different driver ages. Average insurance cost ranges from $2,152 to $4,912 per year on a 2020 Mercedes-Benz C300, and $2,036 to $4,662 on a 2020 Audi S3 for the included driver ages.

Out of six Mercedes-Benz C300 trim levels, the cheapest 2020 trim level to insure is the 4Matic Sedan model at an average cost of $2,310 per year, or $193 per month.

The 2020 Audi S3 has two trims available, with the cheapest trim level to insure being the 2.0 Quattro Premium Sedan trim at an average cost of $2,274 per year.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to put coverage on is the Audi S3 2.0 Quattro Premium Sedan at an average rate of $2,274 per year, and the most expensive trim is the Mercedes-Benz C300 4Matic Coupe at an average of $2,538 per year.

The rate tables below illustrate the average insurance cost by trim level for both 2020 models, including the average rate for each model. The cheapest of the two models to insure for the 2020 model year is the Audi S3.

2019 Mercedes-Benz C300 vs. Audi S3

When comparing insurance cost for the 2019 Mercedes-Benz C300 and Audi S3 models, the Audi S3 has cheaper rates by $168 per year for 2019.

The rate chart below visualizes the average cost to insure the two models for different driver ages. For a 2019 Mercedes-Benz C300, the average cost of car insurance ranges from $1,980 to $4,532 per year for the example age groups. Insurance on a 2019 Audi S3 ranges from $1,826 to $4,202 on average per year.

The 2019 Mercedes-Benz C300 has six trims available, with the cheapest trim to insure being the 4Matic Sedan model at an average cost of $2,116 per year, or $176 per month.

For the two different option levels available for the Audi S3, the cheapest 2019 model to insure is the 2.0T Quattro Premium Plus Sedan model at a cost of $2,024.

When rates for all eight trim levels for both vehicles are combined and compared, the cheapest trim to put coverage on is the Audi S3 2.0T Quattro Premium Plus Sedan at an average rate of $2,024 per year. The most expensive model and trim level is the Mercedes-Benz C300 4Matic Coupe at an average of $2,422 per year.

The two tables below illustrate the cost to insure the available trim levels for both 2019 models, including the average rate for each model. The winner for the 2019 car insurance cost comparison is the Audi S3.

2018 Mercedes-Benz C300 vs. Audi S3

When comparing car insurance rates for 2018 models, the Mercedes-Benz C300 costs $2,138 per year for a full-coverage policy and the Audi S3 costs $1,972, making the Audi S3 the cheaper model by $166 for this comparison year.

The following chart visualizes the average cost to insure both 2018 models rated for multiple driver ages. For a 2018 Mercedes-Benz C300, average car insurance cost ranges from $1,890 to $4,314 per year for the age groups included in the chart. Car insurance on a 2018 Audi S3 costs from $1,740 to $3,984 on average per year.

For the six trim levels available for the 2018 Mercedes-Benz C300, the cheapest trim level to insure is the 4Matic Sedan model at an average cost of $2,018 per year.

The 2018 Audi S3 has two trim options available, with the cheapest model to insure being the 2.0T Quattro Premium Plus Sedan trim at an average cost of $1,924 per year, or about $160 per month.

When insurance rates for all eight trim levels for both 2018 models are compared, the lowest-cost model and trim level to put coverage on is the Audi S3 2.0T Quattro Premium Plus Sedan at an average cost of $1,924 per year, and the most expensive trim is the Mercedes-Benz C300 4Matic Coupe costing $2,318 per year.

The two tables below show average car insurance rates for each trim level, as well as the overall average rate for each model. The 2018 Audi S3 takes the win over the 2018 Mercedes-Benz C300 for the cheapest average car insurance rates.

2017 Mercedes-Benz C300 vs. Audi S3

When comparing car insurance rates for 2017 models, a Mercedes-Benz C300 costs an average of $2,036 per year to insure and an Audi S3 costs $1,890, making the Audi S3 cheaper to insure by $146 per year.

The next chart demonstrates the average cost to insure both models rated for multiple driver ages. For a 2017 Mercedes-Benz C300, average car insurance cost ranges from $1,802 to $4,100 per year for the sample drivers in the chart. Full-coverage insurance on a 2017 Audi S3 ranges from $1,668 to $3,814 on average per year.

For the six trim levels available for the 2017 Mercedes-Benz C300, the cheapest trim to insure is the Sedan trim at an average cost of $1,888 per year, or around $157 per month.

Out of the two different trim levels available for the Audi S3, the cheapest 2017 trim level to insure is the 2.0T Quattro Premium Plus Sedan trim at a cost of $1,846 per year, or $154 per month.

When all eight trims of both models are combined and compared, the cheapest vehicle to insure is the Audi S3 2.0T Quattro Premium Plus Sedan at an average cost of $1,846 per year. The overall most expensive vehicle to insure is the Mercedes-Benz C300 Coupe at an average cost of $2,166 per year.

The tables below display average car insurance cost by trim level for a 2017 Mercedes-Benz C300 and Audi S3, along with an average cost for each model. The 2017 Audi S3 has cheaper average auto insurance rates than the 2017 Mercedes-Benz C300.

2016 Mercedes-Benz C300 vs. Audi S3

For 2016 Mercedes-Benz C300 and Audi S3 models, the Audi S3 has cheaper car insurance rates by $128 per year for this model year.

The following chart illustrates the average car insurance cost for the two models rated for multiple driver ages. Average full-coverage insurance ranges from $1,762 to $3,986 per year on a 2016 Mercedes-Benz C300, and $1,644 to $3,720 on a 2016 Audi S3 for the five age groups shown in the chart

The 2016 Mercedes-Benz C300 has two trim levels available, with the cheapest model to insure being the Sedan trim at an average cost of $1,958 per year, or about $163 per month. Out of the two different trim levels available for the Audi S3, the cheapest 2016 trim level to insure is the 2.0T Quattro Premium Plus Sedan model at a cost of $1,810 per year, or about $151 per month.

When insurance rates for all four trims of both models are combined and sorted by cost, the lowest-cost model and trim to buy insurance for is the Audi S3 2.0T Quattro Premium Plus Sedan at an average rate of $1,810 per year. The most expensive model and trim level is the Mercedes-Benz C300 4Matic Sedan at an average cost of $2,006 per year.

The tables shown below break down the expected annual car insurance cost by trim level for both 2016 models, along with the average rate for each model.

2015 Mercedes-Benz C300 vs. Audi S3

For the 2015 Mercedes-Benz C300 and Audi S3 models, the Audi S3 has cheaper car insurance rates by an average of $28 per year for this comparison year.

The following chart demonstrates the average insurance cost for both models with different drivers at the wheel. For a 2015 Mercedes-Benz C300, average insurance cost ranges from $1,648 to $3,740 per year for the example age groups. Insurance for a 2015 Audi S3 costs from $1,624 to $3,678 on average per year.

The 2015 Mercedes-Benz C300 has two trim levels available, with the cheapest trim to insure being the Sedan trim at an average cost of $1,826 per year, or around $152 per month. The 2015 Audi S3 has two trims available, with the cheapest trim to insure being the 2.0T Quattro Premium Plus Sedan trim at an average cost of $1,796 per year, or $150 per month.

When rates for all four trim levels for the 2015 model year of both models are compared, the lowest-cost model and trim level to put coverage on is the Audi S3 2.0T Quattro Premium Plus Sedan at an average rate of $1,796 per year, and the most expensive trim is the Mercedes-Benz C300 4Matic Sedan at a cost of $1,872 per year.

The next two tables detail all the available trims for both 2015 models, including an overall average rate. The 2015 Audi S3 has cheaper overall car insurance rates than the 2015 Mercedes-Benz C300.

Additional Mercedes-Benz C300 and Audi S3 Resources

• Mercedes-Benz C300 Insurance Cost
• Audi S3 Insurance Cost
• Small Luxury Car Insurance Cost Comparisons