Audi S3 Car Insurance Cost for 2022

How much are Audi S3 car insurance rates? We analyzed rates for the S3 2.0 Quattro Premium and Plus trim levels to see how insurance costs rank against the rest of the compact luxury car market.

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  • Audi S3 insurance costs an average of $1,772 per year or around $148 per month, but can vary based on deductibles and limits.
  • Ranked #13 out of 19 small luxury cars, car insurance rates for the Audi S3 costs $42 more per year than the average cost for the segment.
  • Drivers can find the cheapest Audi S3 insurance on the Premium model at $1,720 per year.
  • The S3 Prestige has the highest rates at $1,828 per year.

How much does Audi S3 car insurance cost?

The average policyholder can plan on paying $1,772 annually for full coverage to insure an Audi S3. When priced by coverage type, comprehensive (or other-than-collision) coverage is an estimated $450 a year, collision insurance costs approximately $886, and the remaining liability and medical coverage is an estimated $436.

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 2022 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 August 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$2,934$245
$500$3,530$294
$250$4,158$347
30$1,000$1,552$129
$500$1,882$157
$250$2,226$186
40$1,000$1,470$123
$500$1,772$148
$250$2,088$174
50$1,000$1,340$112
$500$1,612$134
$250$1,898$158
60$1,000$1,316$110
$500$1,584$132
$250$1,866$156

The next table shows average Audi S3 car insurance rates from the 2015 to the 2021 model years.

Audi S3 Insurance Cost for 2015-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Audi S3$1,772$886$148
2021 Audi S3$1,686$843$141
2020 Audi S3$1,650$825$138
2019 Audi S3$1,510$755$126
2018 Audi S3$1,466$733$122
2017 Audi S3$1,424$712$119
2016 Audi S3$1,420$710$118
2015 Audi S3$1,426$713$119

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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 August 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.

2022 Audi S3 Insurance Cost by Trim Level
Audi S3 Trim Level Annual Policy 6-month Policy Per Month
Premium$1,720$860$143
Premium Plus$1,768$884$147
Prestige$1,828$914$152

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 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 August 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 $300 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 $460 per year. Major convictions like a DUI could raise rates by an additional $1,626 or more.
  • Safe drivers have cheaper S3 insurance. At-fault accidents raise insurance rates, potentially by an extra $2,472 per year for a 20-year-old driver and even as much as $524 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 ($1,612 per year) and a 20-year-old driver ($3,530 per year) is $1,918, 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 $2,074 or more per year.
  • Car insurance is cheaper with higher deductibles. Increasing your deductibles from $500 to $1,000 could save around $302 per year for a 40-year-old driver and $596 per year for a 20-year-old driver.
  • Lower deductibles raise insurance cost. Cutting your deductibles from $500 to $250 could cost an additional $316 per year for a 40-year-old driver and $628 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 $160 more per year than the BMW 330i, $42 less than the Mercedes-Benz C300, and $134 more than the Volvo S60.

The Audi S3 ranks #13 out of 19 comparison vehicles in the small luxury car segment for most affordable auto insurance rates. The S3 costs an average of $1,772 per year for a full coverage policy and the category median cost is $1,730 annually, a difference of $42 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
1Mercedes-Benz A220$1,500-$272
2BMW 330i$1,612-$160
3Acura TLX$1,620-$152
4Volvo S60$1,638-$134
5BMW 330e$1,642-$130
6BMW 228i$1,652-$120
7BMW 230i$1,664-$108
8Alfa Romeo Giulia$1,692-$80
9Cadillac CT4$1,694-$78
10Lexus RC 350$1,698-$74
11Genesis G70$1,720-$52
12Audi A4$1,766-$6
13Audi S3$1,772--
14Mercedes-Benz C300$1,814$42
15BMW M235i$1,852$80
16Audi RS 3$1,856$84
17BMW M240i$1,884$112
18Lexus IS 350$1,898$126
19BMW M340i$1,902$130

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on 2022 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 August 30, 2022
Insurance Cost Comparison: Audi S3 vs Small Luxury Cars