Audi A3 Car Insurance Cost for 2022

How much does Audi A3 insurance cost? We tallied rates from the Premium up to the Prestige Quattro to see how prices ranked against other mid-size luxury cars.

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How much does Audi A3 insurance cost?

Audi A3 insurance rates average $1,762 a year, or $147 a month. With the average midsize luxury car costing $2,018 a year to insure, the Audi A3 could save an estimated $256 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 $1,326 per year for a driver age 60 with a $1,000 policy deductible to a high policy cost of $4,108 per year for a 20-year-old driver with $250 comprehensive and collision deductibles.

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Chart Data Details: Chart shows average insurance cost for a 2022 Audi A3 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Audi A3 trim levels.Data last updated on August 23, 2022
Avearge Audi A3 Car Insurance Rates
Audi A3 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,962$247
$500$3,518$293
$250$4,108$342
30$1,000$1,554$130
$500$1,864$155
$250$2,188$182
40$1,000$1,478$123
$500$1,762$147
$250$2,058$172
50$1,000$1,350$113
$500$1,604$134
$250$1,872$156
60$1,000$1,326$111
$500$1,576$131
$250$1,840$153

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 $2,482 per year for a 20-year-old driver and as much as $724 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 $284 per year for a 40-year-old driver and $556 per year for a 20-year-old driver.
  • Low deductibles increase auto insurance cost. Decreasing deductibles from $500 to $250 could cost an additional $296 per year for a 40-year-old driver and $590 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 $277 per year when compared to a decent credit rating of 670-739. Conversely, a weak credit rating could cost up to $321 more per year.
  • The older you get, the cheaper insurance rates become. The difference in 2022 A3 insurance cost between a 60-year-old driver ($1,576 per year) and a 20-year-old driver ($3,518 per year) is $1,942, or a savings of 55.2%.
  • 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 $2,154 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 $53 and $159 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 $358 more per year than the Acura ILX, $238 less than the Audi A6, $32 less than the Lexus ES 350, and $462 less than the Infiniti Q50.

The Audi A3 ranks #6 out of 38 comparison vehicles in the 2022 midsize luxury car segment. The A3 costs an average of $1,762 per year to insure for full coverage and the category average cost is $2,018 annually, a difference of $256 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 38 vehicles in the 2022 midsize luxury car segment.

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Chart Data Details: Average rates are for a 2022 model year Audi A3, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Audi A3 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 23, 2022
Insurance Cost Comparison: Audi A3 vs Top 10 Midsize Luxury Cars
Audi A3 Insurance Cost Compared to All Midsize Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura ILX$1,404-$358
2Lexus RC 300$1,690-$72
3Mercedes-Benz AMG CLA35$1,732-$30
4BMW i4$1,740-$22
5Cadillac CT5$1,744-$18
6Audi A3$1,762--
7Mercedes-Benz AMG CLA45$1,770$8
8Mercedes-Benz CLA250$1,782$20
9Lexus ES 250$1,784$22
10Lexus IS 300$1,786$24
11Lexus ES 350$1,794$32
12Genesis G80$1,832$70
13Audi S5$1,854$92
14BMW 530i$1,890$128
15Lexus ES 300h$1,896$134
16Mercedes-Benz E350$1,908$146
17BMW 530e$1,926$164
18BMW 540i$1,930$168
19Audi S4$1,938$176
20BMW M440i$1,940$178
21Mercedes-Benz E450$1,948$186
22Audi A6$2,000$238
23Jaguar XF$2,006$244
24Lexus IS 500$2,028$266
25BMW 430i$2,050$288
26Mercedes-Benz CLS450$2,064$302
27Audi RS 5$2,166$404
28Mercedes-Benz AMG C43$2,186$424
29Audi S6$2,198$436
30Infiniti Q50$2,224$462
31Mercedes-Benz AMG C63$2,254$492
32BMW M550i$2,340$578
33Audi A7$2,394$632
34Tesla Model S$2,434$672
35Lexus LC 500h$2,464$702
36Audi S7$2,590$828
37BMW M8$2,606$844
38BMW M5$2,636$874

What is the cheapest Audi A3 insurance?

The cheapest model of Audi A3 to insure is the Premium FWD at an estimated $1,676 per year, or about $140 per month. The most expensive A3 model to insure is the Audi A3 Prestige Quattro model at $1,842 per year. When compared to the national average rate for all vehicles of $1,567, the Audi A3 is $195 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 2022 model year.

2022 Audi A3 Insurance Cost by Trim Level
Audi A3 Trim Level Annual Policy 6-month Policy Per Month
Premium FWD$1,676$838$140
Premium Quattro$1,718$859$143
Premium Plus FWD$1,746$873$146
Premium Plus Quattro$1,778$889$148
Prestige FWD$1,812$906$151
Prestige Quattro$1,842$921$154

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Audi A3, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 23, 2022
Audi A3 Insurance Cost by Trim Level

How much does insurance cost on a used A3?

Choosing to drive a 2013 Audi A3 in place of the newest 2022 model year could save as much as $664 each year. Even opting for a newer 2019 model could save you around $132 annually.

The table below illustrates typical insurance premiums for an Audi A3 for different driver age groups for the 2013 to 2022 model years. Car insurance on an A3 ranges from the cheapest price of $984 for a 60-year-old driver rated on a 2013 Audi A3 to a maximum rate of $3,518 for a 20-year-old with a 2022 model.

Audi A3 Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$3,518$1,864$1,762$1,604$1,576
2021$3,380$1,784$1,692$1,542$1,514
2020$3,320$1,748$1,660$1,512$1,486
2019$3,266$1,712$1,630$1,490$1,462
2018$3,180$1,664$1,588$1,450$1,424
2017$3,116$1,626$1,554$1,418$1,394
2016$2,888$1,518$1,446$1,320$1,296
2015$2,656$1,394$1,332$1,218$1,192
2013$2,182$1,144$1,098$1,004$984

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on August 23, 2022
Audi A3 Insurance Cost by Model Year