Audi S3 Car Insurance Guide: Rates, Comparisons & Trends

• Audi S3 insurance costs an average of $2,690 per year or around $224 per month, but can vary based on deductibles and limits.
• Ranked 11^th out of 18 small luxury cars, car insurance rates for the Audi S3 costs $49 more per year than the average cost for the segment.
• Drivers can find the cheapest Audi S3 insurance on the Premium model at $2,612 per year.
• The S3 Prestige has the highest rates at $2,774 per year.

How much does Audi S3 car insurance cost?

The average policyholder can plan on paying $2,690 annually for full coverage to insure an Audi S3. When priced by coverage type, comprehensive (or other-than-collision) coverage is an estimated $696 a year, collision insurance costs approximately $1,358, and the remaining liability and medical coverage is an estimated $636.

The rate summary chart below shows how Audi S3 insurance cost fluctuate with changes in the rated driver age and a range of policy deductibles.

The next table shows average Audi S3 car insurance rates from the 2015 to the 2024 model years.

The next table displays the estimated annual and semi-annual policy costs, in addition to a monthly insurance rate, for each S3 model package and trim level.

More rates and insights

Some additional noteworthy observations about Audi S3 car insurance rates include:

• Save money by qualifying for discounts. Discounts may be available if the insured drivers choose electronic billing, drive a vehicle with safety or anti-theft features, belong to certain professional organizations, drive low annual mileage, or many other discounts which could save the average driver as much as $456 per year on the cost of insuring a S3.
• A good driving record means cheaper policy cost. If you want to get the cheapest possible S3 insurance rates, it’s necessary to follow traffic laws. In fact, just a few minor driving offenses could end up increasing insurance rates by up to $706 per year. Major convictions like a DUI could raise rates by an additional $2,484 or more.
• Safe drivers have cheaper S3 insurance. At-fault accidents raise insurance rates, potentially by an extra $3,822 per year for a 20-year-old driver and even as much as $620 per year for a 60-year-old driver.
• Getting older pays dividends in cheaper insurance. The difference in insurance cost on a S3 between a 50-year-old driver ($2,372 per year) and a 20-year-old driver ($5,414 per year) is $3,042, or a savings of 78.1%.
• It’s expensive to buy high-risk insurance. For a 50-year-old driver, the requirement to buy a high-risk policy can increase the cost by $3,128 or more per year.
• Car insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $464 per year for a 40-year-old driver and $914 per year for a 20-year-old driver.
• Lower deductibles raise insurance cost. Cutting your deductibles from $500 to $250 could cost an additional $488 per year for a 40-year-old driver and $970 per year for a 20-year-old driver.

Audi S3 insurance vs. other compact luxury cars

When compared to other small luxury cars, car insurance rates for an Audi S3 cost $86 more per year than the Lexus RC 350, $156 more per year than the Lexus IS 350, $178 more per year than the Genesis G70, and $556 more per year than the Acura Integra.

The Audi S3 ranks 11^th out of 18 comparison vehicles in the small luxury car segment for most affordable auto insurance rates. The S3 costs an average of $2,690 per year for a full coverage policy and the category median cost is $2,641 annually, a difference of $49 per year.

The following table shows how well Audi S3 car insurance rates compare to the top 10 most popular small luxury cars like the Acura TLX, Audi A4, and the Genesis G70.