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

• For a 2023 Mercedes-Benz C300, rates range from $1,958 to $2,090 per year, while insurance for a 2023 Audi S3 costs from $2,004 to $2,128.
• Out of 19 models in the 2023 compact luxury car automotive segment, the Mercedes-Benz C300 ranks ninth and the Audi S3 ranks 12^th for overall insurance affordability.
• When compared to the average cost of car insurance in the U.S. of $1,883 per year, the Mercedes-Benz C300 costs $153 more per year, while the Audi S3 costs $179 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 $2,036 per year, whereas insurance for an Audi S3 costs an average of $2,062 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 $1,958 per year, or around $163 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 $2,004.

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 $1,958 per year. The highest-cost model and trim level is the Audi S3 Prestige at a cost of $2,128 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 $1,802 to $4,076 per year for the age groups used in this illustration. A 2023 Audi S3 costs from $1,818 to $4,158 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 $2,062 per year, and a 2022 Audi S3 averages $2,012 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 $1,966 per year for the Sedan model up to the most expensive rate of $2,122 for the 4Matic Convertible model.

For the 2022 Audi S3, rates range from $1,956 per year on the Premium model up to $2,076 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 $1,956 per year. The highest-cost model and trim is the Mercedes-Benz C300 4Matic Convertible at an average cost of $2,122 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 $1,824 to $4,136 per year for the five different driver ages shown in the chart.

Insurance for a 2022 Audi S3 ranges from $1,776 to $4,064 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 $1,966 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 $1,956 per year, or about $163 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 $1,956 per year. The most expensive vehicle to insure is the Mercedes-Benz C300 4Matic Convertible costing an average of $2,122 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 $108 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 $1,800 to $4,108 per year on a 2021 Mercedes-Benz C300, and $1,702 to $3,902 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 $1,930 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 $1,902 per year, or around $159 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 $1,902 per year, and the overall most expensive vehicle to insure is the Mercedes-Benz C300 4Matic Coupe costing $2,122 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 $106 per year.

The next chart displays the average cost to insure both 2020 models rated for different driver ages. Average insurance cost ranges from $1,744 to $3,980 per year on a 2020 Mercedes-Benz C300, and $1,650 to $3,778 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 $1,870 per year, or $156 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 $1,844 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 $1,844 per year, and the most expensive trim is the Mercedes-Benz C300 4Matic Coupe at an average of $2,058 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 $134 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 $1,604 to $3,672 per year for the example age groups. Insurance on a 2019 Audi S3 ranges from $1,482 to $3,406 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 $1,716 per year, or $143 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 $1,640.

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 $1,640 per year. The most expensive model and trim level is the Mercedes-Benz C300 4Matic Coupe at an average of $1,962 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 $1,732 per year for a full-coverage policy and the Audi S3 costs $1,598, making the Audi S3 the cheaper model by $134 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 $1,532 to $3,498 per year for the age groups included in the chart. Car insurance on a 2018 Audi S3 costs from $1,410 to $3,230 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 $1,636 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 $1,562 per year, or about $130 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 $1,562 per year, and the most expensive trim is the Mercedes-Benz C300 4Matic Coupe costing $1,878 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 $1,650 per year to insure and an Audi S3 costs $1,532, making the Audi S3 cheaper to insure by $118 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 $1,460 to $3,324 per year for the sample drivers in the chart. Full-coverage insurance on a 2017 Audi S3 ranges from $1,352 to $3,090 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 $1,530 per year, or around $128 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 $1,496 per year, or $125 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 $1,496 per year. The overall most expensive vehicle to insure is the Mercedes-Benz C300 Coupe at an average cost of $1,754 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 $104 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 $1,428 to $3,230 per year on a 2016 Mercedes-Benz C300, and $1,334 to $3,014 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 $1,586 per year, or about $132 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 $1,468 per year, or about $122 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 $1,468 per year. The most expensive model and trim level is the Mercedes-Benz C300 4Matic Sedan at an average cost of $1,624 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 $22 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 $1,334 to $3,032 per year for the example age groups. Insurance for a 2015 Audi S3 costs from $1,316 to $2,980 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 $1,480 per year, or around $123 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 $1,456 per year, or $121 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 $1,456 per year, and the most expensive trim is the Mercedes-Benz C300 4Matic Sedan at a cost of $1,518 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