Audi A3 insurance costs average $91 monthly for minimum coverage and $177 per month for full coverage. Depending on your specific trim and model year, costs can range from $57 monthly for a 2020 Audi A3 with minimum coverage to $247 for a 2009 Audi A3 with full coverage.
Audi A3 Insurance Cost
Updated: September 25, 2025
Key Takeaways
Audi A3 insurance costs range from $89 to $247 monthly, with variation based on specific trim level and model year you choose.
The Audi A3 ranks 361st out of 827 vehicle models for insurance affordability in the United States automotive market from 2000 through 2025.
Travelers offers the most affordable full coverage Audi A3 insurance at $143 monthly, while minimum coverage starts at $66 per month.
How Much Is Audi A3 Insurance?
| Audi A3 | $91 | $177 |
Audi A3 Insurance Cost by Model Year
Your Audi A3's model year and available trim options determine your insurance rates, with newer models usually costing more due to higher fair value. Monthly rates for different A3 model years span from $64 to $230, showing how much your vehicle's age affects your premium costs.
| 2025 | $118 | $230 |
| 2024 | $107 | $209 |
| 2023 | $79 | $154 |
| 2022 | $78 | $153 |
| 2020 | $64 | $124 |
| 2019 | $110 | $216 |
| 2018 | $103 | $201 |
| 2017 | $98 | $190 |
| 2016 | $89 | $173 |
| 2015 | $87 | $169 |
| 2013 | $74 | $142 |
| 2012 | $73 | $142 |
| 2011 | $70 | $136 |
| 2010 | $105 | $203 |
| 2009 | $100 | $193 |
| 2008 | $92 | $177 |
| 2007 | $88 | $169 |
| 2006 | $79 | $152 |
Audi A3 Insurance Cost by Trim
Your Audi A3's specific trim impacts insurance rates based on its value, features and repair costs. Monthly premiums range from $66 for basic trims to $235 for premium configurations. Higher-end trims with advanced technology and luxury features cost more to insure due to expensive replacement parts and higher theft risk.
| 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 |
Compare Personalized Audi A3 Insurance Costs
We broke down Audi A3 insurance costs by model year and trim for personalized estimates.
Data filtered by:
2006
2.0t Wagon 4d
| 2.0t Wagon 4d | $69 | $134 |
Audi A3 Insurance Cost by Company
Audi A3 insurance costs vary by provider from $105 to $215 monthly. Minimum coverage ranges from $66 to $136, while full coverage costs $143 to $305. Rates vary due to different risk assessment models.
| 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 |
Audi A3 Insurance Cost by State
Audi A3 car insurance costs vary dramatically by state, ranging from $38 monthly in Wyoming to $283 in Louisiana.
| 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 |
Audi A3 Insurance Cost by Driver Profile
Your driving profile, especially age and driving record, heavily impacts Audi A3 insurance costs. Monthly rates can reach $338 for young drivers under 25 with clean records, while adult drivers between 26-64 without violations pay as little as $134 monthly.
| Adult Drivers | $91 | $177 |
| Young Drivers | $231 | $445 |
| Senior Drivers | $121 | $223 |
| Drivers With a Speeding Ticket | $113 | $222 |
| Drivers With an Accident | $134 | $259 |
| Drivers With a DUI | $169 | $324 |
| Drivers With Bad Credit | $217 | $438 |
Is an Audi A3 Expensive to Insure?
You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, an Audi A3 ranks 361st out of 827, making it one of the more expensive cars to insure. Among compact luxury sedans, the model ranks 6th out of 12.
Factors That Affect Audi Car Insurance Costs
Several factors can affect what you'll pay for Audi A3 insurance coverage:
- Age (51 years median): Mature buyers receive favorable rates with established credit and driving history.
- Gender (65% male): Male-dominated ownership correlates with performance-oriented luxury vehicle preferences.
- Income ($120,000 median): High-income bracket enables comprehensive coverage options, though luxury vehicle factors increase base premiums.
Average Repair or Replacement Costs
Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi A3 repair costs average $1,497 annually, making it one of Audi's most affordable models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Audi A3's two trim levels (Premium and Premium Plus) offer luxury features that affect insurance premiums. Premium trims include leather seats, panoramic sunroof and 10.3-inch display, while Premium Plus adds Bang & Olufsen audio, adaptive cruise control and advanced driver assistance.
The turbocharged 2.0L engine (201 hp) and available quattro AWD increase replacement values and repair complexity compared to mainstream vehicles.
Fuel Type
Audi A3s officially require premium gasoline (91+ octane) for optimal performance, though they can run on regular 87 octane fuel. The turbocharged 2.0L engine benefits from premium fuel to prevent engine knocking and maintain full power output.
Premium fuel costs add approximately $150 to $200 annually compared to regular fuel, contributing to higher operating expenses that factor into insurance calculations.
Location
Audi A3 owners are concentrated in affluent urban and suburban markets, particularly in metropolitan areas with higher income demographics. European sales show strong performance in Germany (84,000 units annually) and UK markets (123,000 units).
Geographic concentration in high-income zip codes correlates with areas of higher insurance costs due to increased vehicle values, theft rates and collision claim frequencies.
Driver Profile
Most Audi A3 drivers are affluent, educated buyers (average age 51 years) with a median household income of $120,000. This demographic receives moderate to high insurance rates due to luxury vehicle factors, though the A3's entry-level positioning helps offset some premium increases.
Driver demographics affect Audi A3 rates:
Cheapest Audi A3 Insurance Companies
For A3 car insurance, Travelers offers the most affordable full coverage with average monthly premiums of $143. GEICO provides the cheapest minimum coverage for A3 drivers at $66 monthly.
| GEICO | $66 | $145 |
| Travelers | $77 | $143 |
| The Hartford | $91 | $154 |
| Progressive | $87 | $163 |
| State Farm | $82 | $171 |
Cheapest Audi A3 Insurance by State
We found that the following are the top three cheapest car insurance providers for an Audi A3:
- Auto-Owners: Wins for affordability in 10 states
- GEICO: Wins for affordability in eight states
- Travelers: Wins for affordability in seven states
You can filter to see who offers the most affordable auto insurance rates for your Audi A3.
Data filtered by:
Alabama
| Alabama | Cincinnati Insurance | $44 |
How to Get the Best Cheap Audi A3 Insurance
Below, we explore the top car insurance discounts available for your Audi A3:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Audi's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will help you understand how much you're saving currently and what you could save with another provider. You can then look for the cheapest car insurance companies.
- 3Look for more than just low rates
Price isn't the only factor to look at. To get the most balanced car insurance for your Audi A3, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Audi A3 owners will qualify for:
- Bundling/Multi-Policy Discount (5% to 25% savings): Audi A3 owners typically represent affluent professionals who own homes and can bundle auto and homeowners insurance for substantial savings from major carriers. With full coverage averaging $1,496 per year, bundling becomes especially valuable for luxury vehicle owners managing higher insurance costs.
- Multi-Car/Multi-Vehicle Discount (15% to 25% savings): A3 owners often own multiple vehicles — the A3 for daily driving and perhaps an SUV or performance car for other purposes. This affluent demographic frequently qualifies for multi-car discounts from virtually all insurers, helping offset the higher costs of insuring luxury vehicles.
- Good Driver/Safe Driver Discount (5% to 30% savings): A3 buyers represent a mature, responsible demographic with clean driving records that qualify them for the largest available discounts. Since this is the biggest discount you can get, maintaining an accident-free record is essential for keeping luxury vehicle insurance costs manageable.
- Safety Features Discount (5% to 23% savings): The Audi A3 includes advanced safety technologies like Audi pre sense, adaptive cruise assist, and lane departure warnings. These cutting-edge safety features help you avoid crashes and can earn discounts on medical-related coverage from insurers who recognize their accident-prevention value.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Many A3 owners are professionals who may work from home or have short commutes, driving fewer miles annually. Low-mileage drivers and those enrolled in telematics programs that monitor safe driving habits can earn substantial discounts, especially valuable given the A3's higher-than-average insurance costs.
- 5Consider alternative car insurance types
Audi A3 owners should consider Audi Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple companies and sources can cut your Audi A3 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Audi A3 Insurance Cost: Bottom Line
Insuring an Audi A3 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Audi A3 Insurance Rates: FAQ
Here are answers to common questions about insuring an Audi A3.
What is the average cost of car insurance for an Audi A3?
The Audi A3's average annual insurance cost is $1,090 for state minimum coverage and $2,119 for full coverage.
What company has the cheapest car insurance for an Audi A3?
GEICO offers the cheapest minimum coverage auto insurance for an Audi A3, with an annual minimum coverage rate of $792. For those looking for full coverage policies, Travelers is the most cost-effective option at $1,716 per year.
Are Audi A3s expensive to insure?
Out of 827 vehicles we track, the A3 ranks 361st for affordability.
What factors affect insurance costs for Audi A3s?
Several things drive up your Audi A3 rates. Repairs can cost more because of specialized parts. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer Audi-certified repair shops cost more.
How can I lower Audi A3 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of Audi's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Audi A3 Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.