Insurance premiums for an Audi A3 average $177 monthly for full coverage and $91 for minimum coverage. Depending on your particular trim and model year, costs can range from $64 monthly for minimum coverage on older models to $235 for full coverage on high-performance trims.
Audi A3 Insurance Cost
Updated: January 13, 2026
Key Takeaways
GEICO offers the most affordable Audi A3 insurance on average, though full coverage costs vary widely by model year and insurer. Read more
Sedans cost less to insure than other vehicle types due to better safety ratings and lower repair costs, with the A3 ranking 95th out of 199 sedans for affordability. Read more
For the most accurate rates, check costs specific to your A3's model year and driver ages, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific A3 model years, depending on the age of the drivers
How Much Is Audi A3 Insurance?
| Audi A3 | $91 | $177 |
Looking for another Audi model? Read more about the cost of Audi car insurance models.
Your Audi A3's monthly insurance premiums can range from $64 for older models to $230 for the newest ones. Model year greatly affects these costs because newer vehicles have higher fair market values, making them more expensive to insure than older A3s that have depreciated.
Insurance costs for an Audi A3 depend on model year and company. Full coverage goes from $143 monthly with Travelers to $305 with AIG, while minimum coverage spans $66 with GEICO to $136 with UAIC.
Audi A3 owners should shop between insurers since minimum coverage varies by over $70 and full coverage by over $162. Each company calculates risk differently for the A3, affecting your final quote.
| AAA | $105 | $218 |
| AIG | $125 | $305 |
| Allstate | $121 | $233 |
| Amica | $114 | $233 |
| Chubb | $112 | $223 |
| Farmers | $131 | $228 |
| Geico | $66 | $145 |
| Kemper | $87 | $179 |
| Nationwide | $99 | $171 |
| Progressive | $87 | $163 |
| State Farm | $82 | $171 |
| The Hartford | $91 | $154 |
| Travelers | $77 | $143 |
| UAIC | $136 | $168 |
Is Audi A3 Expensive to Insure?
MoneyGeek's analysis of 199 sedans reveals the Audi A3 ranks 95th for insurance affordability, meaning 94 sedans cost less to insure. It's positioned a few dollars per month more expensive than a Kia Optima but slightly cheaper than a Kia Borrego. This middle-tier ranking among sedans means it's neither the cheapest nor the most expensive in its category.
The A3 actually sits in the top half for affordability overall at 361st out of 827 total vehicles in our database. Sedans tend to be pricier to insure as a group, with the Saturn S-Series claiming the most affordable spot and the Cadillac CTS-V topping the expense list.
| Ferrari 599 | $339 | 92 |
| Porsche Taycan | $342 | 93 |
| Lamborghini Revuelto | $405 | 94 |
| Ferrari SF90 | $408 | 95 |
| Karma Gysera | $420 | 96 |
| Karma Invictus | $444 | 97 |
| Mclaren Senna | $645 | 98 |
Several factors affect what you'll pay for Audi A3 insurance:
Average Repair or Replacement Costs: The Audi A3's $1,497 annual repair costs make it Audi's 11th most affordable model to maintain out of 33. This moderate maintenance expense helps keep insurance premiums reasonable compared to pricier luxury models.
Vehicle Trim, Features and Accessories: Performance capabilities range from 110 to 306 horsepower across A3 trims, with higher-performance variants commanding substantially more in premiums. The increased power directly correlates with higher insurance costs due to greater risk exposure.
Driver Profile: Most A3 drivers fall between 30-45 years old with a median age around 38, typically earning lower rates due to responsible driving patterns. However, the vehicle's performance reputation attracts risk-taking behaviors that raise insurer concerns. Read more about the costs of Audi A3s for young drivers.
Audi A3 Costs by Model Year and Driver Age by Insurance Company
Model year matters when it comes to your Audi A3 insurance costs, especially considering driver age factors. A 35- to 55-year-old driver with a 2015 Audi A3 pays around $184 monthly for full coverage, while the same driver faces $255 monthly for a 2025 model.Â
Newer car models consistently demand higher premiums than older ones, and young drivers in their teens and early twenties will pay much more across all model years.
Travelers offers the most affordable rates across all Audi A3 model years and could save certain drivers hundreds of dollars monthly.
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Audi A3
| Geico | $88 | $193 |
| Travelers | $93 | $171 |
| National General | $102 | $209 |
| Progressive | $106 | $198 |
| The Hartford | $115 | $196 |
| State Farm | $115 | $241 |
| Kemper | $116 | $238 |
| Nationwide | $122 | $211 |
| AAA | $137 | $285 |
| Allstate | $153 | $296 |
| Amica | $157 | $322 |
| Chubb | $160 | $322 |
| AIG | $166 | $415 |
| UAIC | $169 | $211 |
| Farmers | $179 | $314 |
2025 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $905 | $797 | $705 | $609 | $538 | $457 | $415 | $371 | $339 | $299 |
| Nationwide | $959 | $876 | $806 | $684 | $579 | $375 | $348 | $325 | $307 | $275 |
| Travelers | $1,048 | $751 | $592 | $456 | $402 | $293 | $268 | $247 | $228 | $197 |
| Geico | $1,091 | $798 | $671 | $488 | $419 | $339 | $313 | $258 | $245 | $222 |
| Allstate | $1,403 | $1,101 | $889 | $659 | $590 | $460 | $418 | $395 | $372 | $329 |
| Progressive | $1,438 | $1,163 | $965 | $538 | $470 | $379 | $338 | $302 | $277 | $238 |
| Farmers | $1,950 | $1,446 | $1,287 | $807 | $762 | $581 | $516 | $494 | $469 | $394 |
Cost of Car Insurance for 2024 Audi A3
| Geico | $80 | $175 |
| Travelers | $84 | $156 |
| National General | $93 | $190 |
| Progressive | $96 | $180 |
| The Hartford | $104 | $178 |
| State Farm | $105 | $219 |
| Kemper | $106 | $217 |
| Nationwide | $110 | $192 |
| AAA | $124 | $259 |
| Allstate | $139 | $269 |
| Amica | $142 | $293 |
| Chubb | $146 | $292 |
| AIG | $151 | $376 |
| UAIC | $153 | $192 |
| Farmers | $162 | $285 |
2024 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $822 | $723 | $640 | $553 | $488 | $415 | $377 | $337 | $308 | $271 |
| Nationwide | $871 | $795 | $732 | $621 | $525 | $341 | $316 | $295 | $279 | $250 |
| Travelers | $951 | $682 | $538 | $414 | $365 | $266 | $243 | $225 | $207 | $179 |
| Geico | $990 | $724 | $609 | $443 | $381 | $308 | $284 | $235 | $222 | $201 |
| Allstate | $1,274 | $1,000 | $807 | $598 | $536 | $418 | $379 | $358 | $338 | $299 |
| Progressive | $1,305 | $1,056 | $876 | $488 | $426 | $344 | $307 | $274 | $252 | $216 |
| Farmers | $1,771 | $1,313 | $1,168 | $733 | $692 | $527 | $468 | $449 | $426 | $358 |
Cost of Car Insurance for 2023 Audi A3
| Geico | $59 | $129 |
| Travelers | $62 | $115 |
| National General | $68 | $140 |
| Progressive | $71 | $133 |
| The Hartford | $77 | $131 |
| State Farm | $77 | $161 |
| Kemper | $78 | $160 |
| Nationwide | $82 | $142 |
| AAA | $92 | $191 |
| Allstate | $102 | $198 |
| Amica | $105 | $216 |
| Chubb | $108 | $216 |
| AIG | $112 | $278 |
| UAIC | $113 | $142 |
| Farmers | $120 | $210 |
2023 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $607 | $534 | $472 | $408 | $360 | $306 | $278 | $248 | $227 | $200 |
| Nationwide | $643 | $587 | $540 | $459 | $388 | $251 | $233 | $218 | $206 | $184 |
| Travelers | $702 | $503 | $397 | $305 | $270 | $197 | $180 | $166 | $153 | $132 |
| Geico | $731 | $535 | $449 | $327 | $281 | $227 | $210 | $173 | $164 | $149 |
| Allstate | $940 | $738 | $596 | $441 | $395 | $308 | $280 | $265 | $250 | $221 |
| Progressive | $964 | $779 | $647 | $360 | $315 | $254 | $226 | $202 | $186 | $160 |
| Farmers | $1,307 | $969 | $862 | $541 | $511 | $389 | $346 | $331 | $314 | $264 |
Cost of Car Insurance for 2022 Audi A3
| Geico | $59 | $128 |
| Travelers | $62 | $114 |
| National General | $68 | $139 |
| Progressive | $71 | $132 |
| The Hartford | $76 | $130 |
| State Farm | $77 | $160 |
| Kemper | $77 | $158 |
| Nationwide | $81 | $140 |
| AAA | $91 | $189 |
| Allstate | $102 | $197 |
| Amica | $104 | $214 |
| Chubb | $107 | $214 |
| AIG | $111 | $276 |
| UAIC | $112 | $140 |
| Farmers | $119 | $209 |
2022 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $602 | $529 | $468 | $405 | $357 | $304 | $276 | $246 | $225 | $198 |
| Nationwide | $637 | $582 | $536 | $455 | $385 | $249 | $231 | $216 | $204 | $183 |
| Travelers | $696 | $499 | $394 | $303 | $267 | $195 | $178 | $164 | $152 | $131 |
| Geico | $725 | $530 | $446 | $324 | $279 | $225 | $208 | $172 | $163 | $147 |
| Allstate | $932 | $732 | $591 | $438 | $392 | $306 | $278 | $262 | $247 | $219 |
| Progressive | $956 | $773 | $641 | $357 | $312 | $252 | $225 | $200 | $184 | $158 |
| Farmers | $1,296 | $961 | $855 | $536 | $506 | $386 | $343 | $328 | $312 | $262 |
Cost of Car Insurance for 2020 Audi A3
| Geico | $73 | $160 |
| National General | $125 | $256 |
| The Hartford | $127 | $217 |
| State Farm | $134 | $280 |
| Kemper | $134 | $268 |
| Travelers | $148 | $277 |
| AAA | $161 | $335 |
| Allstate | $163 | $322 |
| Progressive | $167 | $315 |
| Nationwide | $188 | $325 |
| Amica | $189 | $387 |
| UAIC | $195 | $248 |
| Farmers | $205 | $365 |
| AIG | $220 | $568 |
| Chubb | $231 | $461 |
2020 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $488 | $430 | $380 | $328 | $290 | $246 | $224 | $200 | $183 | $161 |
| Nationwide | $517 | $472 | $435 | $369 | $312 | $202 | $188 | $175 | $166 | $148 |
| Travelers | $565 | $405 | $319 | $246 | $217 | $158 | $145 | $133 | $123 | $107 |
| Geico | $588 | $430 | $362 | $263 | $226 | $183 | $169 | $139 | $132 | $120 |
| Allstate | $757 | $594 | $480 | $355 | $318 | $248 | $225 | $213 | $201 | $178 |
| Progressive | $776 | $627 | $521 | $290 | $253 | $205 | $182 | $163 | $150 | $129 |
| Farmers | $1,052 | $780 | $694 | $435 | $411 | $313 | $278 | $266 | $253 | $213 |
Cost of Car Insurance for 2019 Audi A3
| Geico | $60 | $132 |
| National General | $103 | $212 |
| The Hartford | $105 | $179 |
| State Farm | $111 | $232 |
| Kemper | $111 | $221 |
| Travelers | $122 | $229 |
| AAA | $133 | $277 |
| Allstate | $135 | $266 |
| Progressive | $138 | $260 |
| Nationwide | $155 | $269 |
| Amica | $156 | $320 |
| UAIC | $162 | $205 |
| Farmers | $170 | $302 |
| AIG | $182 | $469 |
| Chubb | $191 | $381 |
2019 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $782 | $688 | $608 | $525 | $464 | $394 | $358 | $320 | $293 | $258 |
| Nationwide | $941 | $861 | $793 | $673 | $569 | $369 | $342 | $319 | $302 | $270 |
| Travelers | $1,016 | $737 | $583 | $451 | $398 | $293 | $268 | $247 | $229 | $197 |
| Geico | $1,021 | $746 | $627 | $457 | $392 | $318 | $293 | $242 | $229 | $208 |
| Allstate | $1,311 | $1,027 | $826 | $608 | $544 | $426 | $386 | $364 | $343 | $303 |
| Progressive | $1,434 | $1,158 | $961 | $533 | $465 | $376 | $335 | $299 | $275 | $236 |
| Farmers | $1,710 | $1,273 | $1,133 | $718 | $679 | $519 | $460 | $441 | $418 | $351 |
Cost of Car Insurance for 2018 Audi A3
| Geico | $61 | $133 |
| National General | $75 | $154 |
| Travelers | $85 | $157 |
| State Farm | $88 | $182 |
| Progressive | $95 | $179 |
| Kemper | $101 | $206 |
| Nationwide | $101 | $175 |
| The Hartford | $104 | $177 |
| AAA | $110 | $228 |
| Amica | $116 | $239 |
| Allstate | $122 | $235 |
| Chubb | $131 | $260 |
| AIG | $136 | $342 |
| UAIC | $139 | $174 |
| Farmers | $149 | $265 |
2018 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $735 | $647 | $572 | $494 | $436 | $371 | $337 | $301 | $275 | $242 |
| Nationwide | $844 | $771 | $710 | $603 | $510 | $330 | $306 | $286 | $270 | $242 |
| Travelers | $916 | $663 | $525 | $406 | $359 | $262 | $240 | $222 | $205 | $176 |
| Geico | $917 | $670 | $563 | $410 | $352 | $285 | $263 | $217 | $206 | $187 |
| Allstate | $1,289 | $1,009 | $809 | $593 | $531 | $416 | $377 | $355 | $334 | $296 |
| Progressive | $1,309 | $1,057 | $877 | $486 | $424 | $343 | $305 | $273 | $251 | $215 |
| Farmers | $1,611 | $1,198 | $1,067 | $676 | $640 | $490 | $433 | $416 | $395 | $331 |
Cost of Car Insurance for 2017 Audi A3
| Geico | $58 | $126 |
| National General | $72 | $148 |
| Travelers | $82 | $152 |
| State Farm | $85 | $177 |
| Progressive | $91 | $171 |
| Nationwide | $98 | $170 |
| Kemper | $99 | $201 |
| The Hartford | $102 | $173 |
| AAA | $104 | $216 |
| Amica | $112 | $229 |
| Allstate | $116 | $225 |
| Chubb | $128 | $255 |
| AIG | $132 | $333 |
| UAIC | $136 | $170 |
| Farmers | $140 | $248 |
2017 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $683 | $601 | $531 | $459 | $405 | $344 | $313 | $279 | $256 | $225 |
| Nationwide | $794 | $726 | $669 | $567 | $480 | $311 | $288 | $269 | $254 | $228 |
| Geico | $835 | $610 | $513 | $373 | $321 | $259 | $239 | $198 | $187 | $170 |
| Travelers | $904 | $653 | $516 | $398 | $352 | $258 | $236 | $218 | $201 | $174 |
| Progressive | $1,261 | $1,017 | $844 | $469 | $409 | $331 | $294 | $263 | $242 | $208 |
| Allstate | $1,282 | $1,002 | $803 | $589 | $528 | $413 | $374 | $353 | $332 | $294 |
| Farmers | $1,519 | $1,133 | $1,009 | $639 | $604 | $463 | $410 | $393 | $373 | $313 |
Cost of Car Insurance for 2016 Audi A3
| Geico | $118 | $256 |
| National General | $121 | $247 |
| State Farm | $170 | $353 |
| Kemper | $178 | $356 |
| Travelers | $180 | $331 |
| The Hartford | $184 | $313 |
| Amica | $187 | $383 |
| AAA | $188 | $389 |
| Allstate | $202 | $389 |
| Chubb | $210 | $412 |
| Progressive | $212 | $398 |
| AIG | $230 | $565 |
| Farmers | $247 | $437 |
| Nationwide | $260 | $448 |
| UAIC | $273 | $339 |
2016 Audi A3 Insurance Costs for 16- to 25-Year-Olds
Data filtered by:
Full Coverage
| State Farm | $641 | $564 | $499 | $431 | $381 | $324 | $294 | $263 | $240 | $212 |
| Nationwide | $759 | $694 | $639 | $542 | $458 | $297 | $275 | $257 | $243 | $217 |
| Geico | $793 | $579 | $486 | $354 | $304 | $246 | $227 | $188 | $177 | $161 |
| Travelers | $850 | $614 | $485 | $375 | $331 | $243 | $222 | $205 | $190 | $164 |
| Allstate | $1,063 | $832 | $669 | $492 | $440 | $344 | $312 | $295 | $277 | $245 |
| Progressive | $1,210 | $975 | $809 | $449 | $392 | $317 | $282 | $252 | $232 | $199 |
| Farmers | $1,395 | $1,039 | $926 | $585 | $553 | $423 | $375 | $359 | $341 | $286 |
Audi A3 Insurance Cost by Trim
Audi A3 insurance costs vary dramatically by trim, from $235 monthly for full coverage on high-performance 40 Tfsi Premium Plus variants to $66 for minimum coverage on basic S Line Premium Plus Sedan 4d models. Performance features and market value determine where your specific trim falls in this range.
| S Line Premium Plus Sedan 4d | $66 | $129 |
| 2.0t Premium Wagon 4d | $67 | $129 |
| S Line Premium Sedan 4d | $68 | $133 |
| 2.0t Quattro Premium Wagon 4d | $73 | $141 |
| Tdi Premium Sedan 4d | $75 | $146 |
| 2.0t Premium Plus Wagon 4d | $76 | $147 |
| 2.0 Tdi Premium Wagon 4d | $76 | $147 |
| 1.8t Premium Plus Sedan 4d | $76 | $148 |
| 1.8t Premium Sedan 4d | $77 | $149 |
| 2.0 Tdi Premium Plus Wagon 4d | $79 | $153 |
| 2.0t Wagon 4d | $80 | $154 |
| 2.0t Premium Cabriolet 2d | $80 | $156 |
| Premium Sedan 4d | $80 | $157 |
| 2.0t Premium Plus Cabriolet 2d | $82 | $158 |
| 2.0t Premium Sedan 4d | $83 | $160 |
| 1.8t Premium Cabriolet 2d | $83 | $161 |
| 2.0t Quattro Wagon 4d | $84 | $162 |
| 1.8t Prestige Sedan 4d | $85 | $164 |
| Tdi Prestige Sedan 4d | $86 | $166 |
| Premium Plus Sedan 4d | $87 | $169 |
| 1.8t Premium Plus Cabriolet 2d | $88 | $172 |
| 2.0t Premium Plus Sedan 4d | $89 | $172 |
| 2.0t Prestige Sedan 4d | $93 | $180 |
| Premium Cabriolet 2d | $93 | $180 |
| 3.2 S-Line Quattro Wagon 4d | $95 | $183 |
| Sportback E-Tron Premium Plus Wagon 4d | $95 | $185 |
| Tdi Premium Plus Sedan 4d | $95 | $186 |
| 2.0 Tdi Wagon 4d | $96 | $185 |
| Sportback E-Tron Premium Wagon 4d | $97 | $190 |
| Premium Plus Cabriolet 2d | $101 | $198 |
| Premium | $103 | $201 |
| Prestige Wagon 4d | $103 | $201 |
| Prestige Sedan 4d | $105 | $205 |
| 1.8t Prestige Cabriolet 2d | $106 | $206 |
| Premium Plus Wagon 4d | $106 | $206 |
| Titanium Sedan 4d | $106 | $207 |
| Premium Cabriolet 4d | $108 | $211 |
| Prestige Cabriolet 2d | $108 | $212 |
| Prestige Cabriolet 4d | $109 | $212 |
| 2.0t Prestige Cabriolet 2d | $110 | $215 |
| Sportback E-Tron Prestige Wagon 4d | $111 | $217 |
| Premium Plus | $111 | $218 |
| Premium Plus Cabriolet 4d | $112 | $219 |
| 40 Tfsi Premium | $116 | $226 |
| 3.2 Quattro Wagon 4d | $117 | $225 |
| 40 Tfsi Premium Plus | $120 | $235 |
Audi A3 Insurance Cost by State
Car insurance for an Audi A3 costs as little as $38 per month in Wyoming or as much as $181 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| Alabama | $78 | $148 |
| Alaska | $67 | $142 |
| Arizona | $106 | $199 |
| Arkansas | $72 | $159 |
| California | $87 | $176 |
| Colorado | $86 | $206 |
| Connecticut | $122 | $211 |
| Delaware | $123 | $207 |
| Florida | $107 | $247 |
| Georgia | $128 | $211 |
| Hawaii | $49 | $110 |
| Idaho | $49 | $100 |
| Illinois | $84 | $158 |
| Indiana | $58 | $114 |
| Iowa | $52 | $126 |
| Kansas | $65 | $151 |
| Kentucky | $111 | $189 |
| Louisiana | $181 | $385 |
| Maine | $48 | $99 |
| Maryland | $134 | $226 |
| Massachusetts | $93 | $198 |
| Michigan | $136 | $266 |
| Minnesota | $76 | $159 |
| Mississippi | $79 | $157 |
| Missouri | $108 | $215 |
| Montana | $68 | $163 |
| Nebraska | $67 | $153 |
| Nevada | $149 | $269 |
| New Hampshire | $64 | $114 |
| New Jersey | $144 | $238 |
| New Mexico | $73 | $162 |
| New York | $103 | $186 |
| North Carolina | $72 | $141 |
| North Dakota | $57 | $124 |
| Ohio | $68 | $132 |
| Oklahoma | $82 | $181 |
| Oregon | $103 | $179 |
| Pennsylvania | $80 | $188 |
| Rhode Island | $113 | $201 |
| South Carolina | $89 | $167 |
| South Dakota | $51 | $160 |
| Tennessee | $71 | $144 |
| Texas | $111 | $227 |
| Utah | $91 | $155 |
| Vermont | $43 | $102 |
| Virginia | $85 | $138 |
| Washington | $81 | $152 |
| West Virginia | $81 | $165 |
| Wisconsin | $59 | $130 |
| Wyoming | $38 | $118 |
How to Lower the Cost of Audi A3 Insurance
These proven strategies help you find better rates on your Audi A3 insurance:
- 1Choose the right coverage
You'll need to figure out how much coverage to buy for your Audi A3. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research costs and cheap companies
Learn what you should pay by reviewing average auto insurance costs for compact luxury sedans. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Audi A3.
- 3Look for more than just low rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget insurers might offer limited coverage or slower service when you need help most.
- 4Explore discounts you qualify for
Discover car insurance discounts that apply to your situation. Audi A3 owners often get safety features discounts for advanced driver assistance systems, good driver rewards for clean records, bundling savings when combining auto and home policies, and anti-theft device discounts for factory security features.
- 5Consider alternative car insurance types
Audi A3 owners could explore usage-based insurance programs like Progressive Snapshot telematics or Allstate Drivewise safe driving apps. These options track driving habits and deliver premium reductions for safe behaviors like smooth braking, reasonable speeds and avoiding late-night driving in busy urban areas.
- 6Check rates every year
Obtain car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Audi A3 insurance. Market conditions change frequently, making regular shopping essential for finding the best deals available.
Audi A3 Insurance Cost: Bottom Line
Audi A3 insurance runs average in cost, but you can still secure decent rates. Shopping between insurers, claiming available discounts and adjusting coverage choices helps you find better pricing.
Audi A3 Insurance Rates: FAQ
What is the average cost of car insurance for an Audi A3?
Audi A3 insurance costs $1,090 annually for state minimum coverage and $2,119 for full coverage. These rates are below the national average, making it relatively affordable to insure.
What company has the cheapest car insurance for an Audi A3?
GEICO provides the most affordable minimum coverage for an Audi A3 at $798 annually. Travelers offers the best value for full coverage at $1,713 per year.
Are Audi A3s expensive to insure?
No, Audi A3 insurance is not more expensive than most vehicles. Among sedans, this model places 95th out of 199 for affordability, while ranking 361st out of 827 total vehicles we track.
What factors affect insurance costs for Audi A3s?
Multiple factors affect Audi A3 insurance costs. Premium parts and advanced technology make repairs expensive, while luxury compact vehicles face higher theft rates. However, advanced safety features can help lower premiums. Your driving record, credit score and coverage selection significantly impact your rates.
How can I lower Audi A3 insurance costs?
Compare quotes from multiple insurers since Audi A3 pricing differs significantly between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same provider, and maintain a clean driving record to secure better rates.
How We Determined Audi A3 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold from 2000 to 2025 to determine the most accurate Audi A3 insurance costs.
Who We Based These Rates On
These Audi A3 prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.