- Audi A3 insurance costs an average of $1,928 per year or around $161 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 $314 less per year on average.
- Average Audi A3 car insurance rates range from $1,870 to $1,986 annually for the average driver, depending on trim level.
How much does Audi A3 insurance cost?
Audi A3 insurance rates average $1,928 a year, or $161 a month. With the average midsize luxury car costing $2,242 a year to insure, the Audi A3 could save an estimated $314 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 $1,452 per year for a driver age 60 with a $1,000 policy deductible to a high policy cost of $4,490 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 $2,718 per year for a 20-year-old driver and as much as $794 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 $308 per year for a 40-year-old driver and $606 per year for a 20-year-old driver.
- Low deductibles increase auto insurance cost. Decreasing deductibles from $500 to $250 could cost an additional $322 per year for a 40-year-old driver and $640 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 $303 per year when compared to a decent credit rating of 670-739. Conversely, a weak credit rating could cost up to $351 more per year.
- The older you get, the cheaper insurance rates become. The difference in 2023 A3 insurance cost between a 60-year-old driver ($1,724 per year) and a 20-year-old driver ($3,850 per year) is $2,126, or a savings of 76.3%.
- 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 $2,358 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 $58 and $178 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 $30 more per year than the Cadillac CT5, $426 less than the Audi S6, $26 more than the Lexus ES 350, and $776 less than the Tesla Model S.
The Audi A3 ranks sixth out of 38 comparison vehicles in the 2023 midsize luxury car segment. The A3 costs an average of $1,928 per year to insure for full coverage and the category average cost is $2,242 annually, a difference of $314 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 2023 midsize luxury car segment.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Cadillac CT5 | $1,898 | -$30 |
| 2 | Lexus ES 350 | $1,902 | -$26 |
| 3 | Lexus ES 250 | $1,914 | -$14 |
| 4 | Lexus RC 300 | $1,920 | -$8 |
| 5 | Mercedes-Benz AMG CLA35 | $1,924 | -$4 |
| 6 | Audi A3 | $1,928 | -- |
| 7 | Mercedes-Benz AMG CLA45 | $1,968 | $40 |
| 8 | Mercedes-Benz CLA250 | $1,978 | $50 |
| 9 | Lexus IS 300 | $1,986 | $58 |
| 10 | Jaguar XF | $1,988 | $60 |
| 11 | Audi S4 | $2,030 | $102 |
| 12 | BMW i4 | $2,040 | $112 |
| 13 | Mercedes-Benz E350 | $2,054 | $126 |
| 14 | Lexus ES 300h | $2,082 | $154 |
| 15 | BMW 530i | $2,122 | $194 |
| 16 | Audi A6 | $2,164 | $236 |
| 17 | Audi S5 | $2,166 | $238 |
| 18 | BMW 540i | $2,170 | $242 |
| 19 | BMW 430i | $2,206 | $278 |
| 20 | Lexus IS 500 | $2,212 | $284 |
| 21 | Mercedes-Benz E450 | $2,232 | $304 |
| 22 | Genesis G80 | $2,238 | $310 |
| 23 | Mercedes-Benz CLS450 | $2,296 | $368 |
| 24 | Mercedes-Benz EQE 350 | $2,312 | $384 |
| 25 | Audi RS 5 | $2,318 | $390 |
| 26 | BMW 530e | $2,330 | $402 |
| 27 | Audi S6 | $2,354 | $426 |
| 28 | Mercedes-Benz AMG C43 | $2,358 | $430 |
| 29 | BMW M440i | $2,362 | $434 |
| 30 | Mercedes-Benz EQE 500 | $2,364 | $436 |
| 31 | Audi A7 | $2,456 | $528 |
| 32 | Infiniti Q50 | $2,458 | $530 |
| 33 | Lexus LC 500h | $2,640 | $712 |
| 34 | BMW M550i | $2,644 | $716 |
| 35 | Tesla Model S | $2,704 | $776 |
| 36 | Audi S7 | $2,720 | $792 |
| 37 | BMW M5 | $2,800 | $872 |
| 38 | BMW M8 | $2,954 | $1,026 |
What is the cheapest Audi A3 insurance?
The cheapest model of Audi A3 to insure is the Premium FWD at an estimated $1,870 per year, or about $156 per month. The most expensive A3 model to insure is the Audi A3 Premium Plus Quattro model at $1,986 per year. When compared to the national average rate for all vehicles of $1,685, the Audi A3 is $243 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 2023 model year.
| Audi A3 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Premium FWD | $1,870 | $935 | $156 |
| Premium Quattro | $1,914 | $957 | $160 |
| Premium Plus FWD | $1,946 | $973 | $162 |
| Premium Plus Quattro | $1,986 | $993 | $166 |
Insurance cost on new versus used A3 models
Choosing to drive a 2013 Audi A3 in place of the newest 2023 model year could save as much as $748 each year. Even opting for a newer 2019 model could save you around $160 annually.
The table below illustrates typical insurance premiums for an Audi A3 for different driver age groups for the 2013 to 2023 model years. Car insurance on an A3 ranges from the cheapest price of $1,058 for a 60-year-old driver rated on a 2013 Audi A3 to a maximum rate of $3,850 for a 20-year-old with a 2023 model.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Audi A3 | $3,850 | $1,928 | $1,724 |
| 2022 Audi A3 | $3,822 | $1,912 | $1,710 |
| 2021 Audi A3 | $3,690 | $1,846 | $1,652 |
| 2020 Audi A3 | $3,646 | $1,820 | $1,630 |
| 2019 Audi A3 | $3,540 | $1,768 | $1,584 |
| 2018 Audi A3 | $3,458 | $1,722 | $1,546 |
| 2017 Audi A3 | $3,328 | $1,664 | $1,490 |
| 2016 Audi A3 | $3,108 | $1,558 | $1,396 |
| 2015 Audi A3 | $2,794 | $1,404 | $1,258 |
| 2013 Audi A3 | $2,340 | $1,180 | $1,058 |
