- Audi A3 insurance costs an average of $2,132 per year or around $178 per month, depending on the trim level.
- When compared to other midsize luxury cars, the Audi A3 is one of the cheaper midsize luxury cars to insure, costing $196 less per year on average.
- Average Audi A3 car insurance rates range from $2,068 to $2,192 annually for the average driver, depending on trim level.
How much does Audi A3 insurance cost?
Audi A3 insurance rates average $2,132 a year, or $178 a month. With the average midsize luxury car costing $2,328 a year to insure, the Audi A3 could save an estimated $196 or more annually.
The following chart details how average Audi A3 insurance rates change based on the age of the driver and physical damage deductibles. Younger drivers and lower comprehensive and collision deductibles raise the cost of car insurance.
Rates range from as low as $1,502 per year for a driver age 60 with a $1,000 policy deductible to a high policy cost of $4,984 per year for a 20-year-old driver with $250 comprehensive and collision deductibles.
Listed below are some additional A3 insurance rates for different scenarios, as well as some tips for reducing the cost of your next policy.
- Be a safe driver and save on insurance. Too many at-fault accidents will increase rates, as much as $3,068 per year for a 20-year-old driver and as much as $898 per year for a 40-year-old driver.
- Higher physical damage deductibles lower policy cost. Boosting your physical damage deductibles from $500 to $1,000 could save around $330 per year for a 40-year-old driver and $646 per year for a 20-year-old driver.
- Low deductibles increase auto insurance cost. Decreasing deductibles from $500 to $250 could cost an additional $346 per year for a 40-year-old driver and $682 per year for a 20-year-old driver.
- Better credit scores yield better A3 car insurance rates. Having an excellent credit score over 800 could save as much as $335 per year when compared to a decent credit rating of 670-739. Conversely, a weak credit rating could cost up to $388 more per year.
- The older you get, the cheaper insurance rates become. The difference in 2024 A3 insurance cost between a 60-year-old driver ($1,770 per year) and a 20-year-old driver ($4,302 per year) is $2,532, or a savings of 83.4%.
- It’s expensive to buy high risk insurance. For a 30-year-old driver, the requirement to buy a high-risk policy could increase the cost by $2,650 or more per year.
- Save money due to your employment. Many car insurance companies offer discounts for having a job in professions like police officers and law enforcement, firefighters, emergency medical technicians, members of the military, lawyers, college professors, and other occupations. By earning this discount, you could save between $64 and $185 on your car insurance premium, depending on the policy coverages.
How does Audi A3 car insurance cost compare?
When insurance rates are compared side-by-side to popular vehicles in the midsize luxury car segment, the A3 costs $88 more per year than the Cadillac CT5, $402 less than the Audi S6, $152 more than the Lexus ES 350, and $356 less than the Tesla Model S.
The Audi A3 ranks 10th out of 34 comparison vehicles in the 2024 midsize luxury car segment. The A3 costs an average of $2,132 per year to insure for full coverage and the category average cost is $2,328 annually, a difference of $196 per year.
The chart below shows how Audi A3 car insurance rates compare to other luxury cars like the Lexus ES 350, BMW 530i, and the Mercedes CLA250. In addition, you can also view an expanded table after the chart showing insurance rates for all 34 vehicles in the 2024 midsize luxury car segment.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Mercedes-Benz CLA250 | $1,954 | -$178 |
| 2 | Lexus IS 300 | $1,956 | -$176 |
| 3 | Lexus ES 350 | $1,980 | -$152 |
| 4 | Mercedes-Benz AMG CLA35 | $1,988 | -$144 |
| 5 | Lexus RC 300 | $1,994 | -$138 |
| 6 | Jaguar XF | $2,008 | -$124 |
| 7 | Cadillac CT5 | $2,044 | -$88 |
| 8 | Lexus ES 250 | $2,054 | -$78 |
| 9 | Lexus ES 300h | $2,082 | -$50 |
| 10 | Audi A3 | $2,132 | -- |
| 11 | Infiniti Q50 | $2,148 | $16 |
| 12 | Mercedes-Benz AMG CLA45 | $2,174 | $42 |
| 13 | Audi S4 | $2,184 | $52 |
| 14 | Mercedes-Benz EQE 350 | $2,206 | $74 |
| 15 | BMW i4 | $2,214 | $82 |
| 16 | Lexus IS 500 | $2,242 | $110 |
| 17 | BMW 530i | $2,306 | $174 |
| 18 | Audi S5 | $2,330 | $198 |
| 19 | BMW 540i | $2,336 | $204 |
| 20 | BMW 430i | $2,386 | $254 |
| 21 | BMW i5 | $2,396 | $264 |
| 22 | Genesis G80 | $2,408 | $276 |
| 23 | Mercedes-Benz EQE 500 | $2,436 | $304 |
| 24 | Mercedes-Benz AMG C43 | $2,452 | $320 |
| 25 | Audi A6 | $2,458 | $326 |
| 26 | Tesla Model S | $2,488 | $356 |
| 27 | BMW 530e | $2,510 | $378 |
| 28 | Audi RS 5 | $2,516 | $384 |
| 29 | Audi S6 | $2,534 | $402 |
| 30 | BMW M440i | $2,600 | $468 |
| 31 | Audi A7 | $2,646 | $514 |
| 32 | Lexus LC 500h | $2,842 | $710 |
| 33 | Audi S7 | $2,934 | $802 |
| 34 | BMW M8 | $3,198 | $1,066 |
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 vehicle from the 2024 model year. Updated February 23, 2024
What is the cheapest Audi A3 insurance?
The cheapest model of Audi A3 to insure is the Premium FWD at an estimated $2,068 per year, or about $172 per month. The most expensive A3 model to insure is the Audi A3 Premium Plus Quattro model at $2,192 per year. When compared to the national average rate for all vehicles of $1,883, the Audi A3 is $249 more expensive to insure on average.
The next table shows average annual and 6-month full coverage policy costs for each Audi A3 package and trim level for the 2024 model year.
| 2024 Audi A3 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premium FWD | $2,068 | $172 |
| Premium Quattro | $2,118 | $177 |
| Premium Plus FWD | $2,152 | $179 |
| Premium Plus Quattro | $2,192 | $183 |
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. Updated February 23, 2024
Insurance cost on new versus used A3 models
Choosing to drive a 2013 Audi A3 in place of the newest 2024 model year could save as much as $970 each year. Even opting for a newer 2019 model could save you around $322 annually.
The table below illustrates typical insurance premiums for an Audi A3 for different driver age groups for the 2013 to 2024 model years. Car insurance on an A3 ranges from the cheapest price of $972 for a 60-year-old driver rated on a 2013 Audi A3 to a maximum rate of $4,302 for a 20-year-old with a 2024 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Audi A3 | $4,302 | $2,132 | $1,770 |
| 2023 Audi A3 | $4,082 | $2,018 | $1,674 |
| 2022 Audi A3 | $4,058 | $2,004 | $1,660 |
| 2021 Audi A3 | $3,924 | $1,934 | $1,606 |
| 2020 Audi A3 | $3,806 | $1,876 | $1,558 |
| 2019 Audi A3 | $3,680 | $1,810 | $1,504 |
| 2018 Audi A3 | $3,510 | $1,728 | $1,438 |
| 2017 Audi A3 | $3,388 | $1,672 | $1,390 |
| 2016 Audi A3 | $3,074 | $1,528 | $1,274 |
| 2015 Audi A3 | $2,768 | $1,380 | $1,152 |
| 2013 Audi A3 | $2,326 | $1,162 | $972 |
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 Audi A3 trim levels for each model year. Updated February 23, 2024
