Audi S3 Car Insurance Cost for 2022

• 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.

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