Audi S3 Car Insurance Cost for 2023

Is car insurance for an Audi S3 affordable?

From the Premium model to the more appointed Prestige trim, we surveyed average insurance cost for a S3 to see how rate quotes measure up to similar small luxury cars.

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  • Audi S3 insurance costs an average of $1,968 per year or around $164 per month, but can vary based on deductibles and limits.
  • Ranked 12th out of 19 small luxury cars, car insurance rates for the Audi S3 costs $26 more per year than the average cost for the segment.
  • Drivers can find the cheapest Audi S3 insurance on the Premium model at $1,914 per year.
  • The S3 Prestige has the highest rates at $2,030 per year.

How much does Audi S3 car insurance cost?

The average policyholder can plan on paying $1,968 annually for full coverage to insure an Audi S3. When priced by coverage type, comprehensive (or other-than-collision) coverage is an estimated $500 a year, collision insurance costs approximately $984, and the remaining liability and medical coverage is an estimated $484.

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.

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Chart Data Details: Chart shows average insurance cost for a 2023 Audi S3 with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Audi S3 trim levels.Data last updated on December 30, 2022
Audi S3 Car Insurance Rates
Audi S3 Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,260$272
$500$3,922$327
$250$4,620$385
30$1,000$1,722$144
$500$2,090$174
$250$2,472$206
40$1,000$1,632$136
$500$1,968$164
$250$2,320$193
50$1,000$1,490$124
$500$1,792$149
$250$2,110$176
60$1,000$1,464$122
$500$1,760$147
$250$2,072$173

The next table shows average Audi S3 car insurance rates from the 2015 to the 2023 model years.

Audi S3 Insurance Cost for 2015-2023 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2023 Audi S3$1,968$984$164
2022 Audi S3$1,918$959$160
2021 Audi S3$1,834$917$153
2020 Audi S3$1,806$903$151
2019 Audi S3$1,630$815$136
2018 Audi S3$1,580$790$132
2017 Audi S3$1,510$755$126
2016 Audi S3$1,524$762$127
2015 Audi S3$1,506$753$126

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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 December 30, 2022
Audi S3 Insurance Cost by Model Year

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.

2023 Audi S3 Insurance Cost by Trim Level
Audi S3 Trim Level Annual Policy 6-month Policy Per Month
Premium$1,914$957$160
Premium Plus$1,962$981$164
Prestige$2,030$1,015$169

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Audi S3, 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 December 30, 2022
Audi S3 Insurance Cost by 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 $332 per yearon 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 $514 per year. Major convictions like a DUI could raise rates by an additional $1,806 or more.
  • Safe drivers have cheaper S3 insurance. At-fault accidents raise insurance rates, potentially by an extra $2,748 per year for a 20-year-old driver and even as much as $582 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 ($1,792 per year) and a 20-year-old driver ($3,922 per year) is $2,130, or a savings of 54.3%.
  • 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 $2,298 or more per year.
  • Car insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $336 per year for a 40-year-old driver and $662 per year for a 20-year-old driver.
  • Lower deductibles raise insurance cost. Cutting your deductibles from $500 to $250 could cost an additional $352 per year for a 40-year-old driver and $698 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 $176 more per year than the BMW 330i, $20 more than the Mercedes-Benz C300, and $2 less than the Volvo S60.

The Audi S3 ranks 12th out of 19 comparison vehicles in the small luxury car segment for most affordable auto insurance rates. The S3 costs an average of $1,968 per year for a full coverage policy and the category median cost is $1,942 annually, a difference of $26 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.

Insurance Cost Comparison: Audi S3 vs Small Luxury Cars
Rank Make/Model Insurance Cost Difference
1Acura Integra$1,584-$384
2BMW 330i$1,792-$176
3Acura TLX$1,822-$146
4Cadillac CT4$1,842-$126
5Genesis G70$1,880-$88
6BMW 330e$1,910-$58
7BMW 228i$1,920-$48
8BMW 230i$1,932-$36
9Mercedes-Benz C300$1,948-$20
10Audi A4$1,954-$14
11Lexus RC 350$1,956-$12
12Audi S3$1,968--
13Volvo S60$1,970$2
14Alfa Romeo Giulia$1,992$24
15BMW M235i$1,996$28
16Lexus IS 350$2,028$60
17Audi RS 3$2,106$138
18BMW M240i$2,146$178
19BMW M340i$2,156$188

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2023 model year, 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 vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Insurance Cost Comparison: Audi S3 vs Small Luxury Cars