Car Insurance CostsAudi A3Compare the Cost of Audi A3 Insurance by Model Year and Company
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Insurance rates for an Audi A3 can vary based on several factors, such as the driver's age and the car's model year. On average, insuring a 2022 model Audi A3 for a 16-year-old driver costs $8,251 per year, while a 40-year-old driver pays about $1,817 annually. Meanwhile, insuring a 2009 Audi A3 costs $1,230 for a 40-year-old driver and $5,644 for a 16-year-old driver. To find the best insurers, MoneyGeek evaluated their affordability as well as the quality of service and claims experience.
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Average Cost and Cheapest Companies for Insuring an Audi A3
On average, it costs $1,542 per year to insure an Audi A3. Keep in mind that the insurance company you choose can significantly impact this cost. For a full coverage policy, State Farm offers the cheapest option at $1,160 per year, while Farmers has the highest rates at $1,840 per year.
For a minimum coverage policy, the average cost is $541 per year, with State Farm offering the cheapest car insurance rates at $472 per year and Farmers offering the most expensive at $712 per year.
Is an Audi A3 Expensive to Insure?
While the Audi A3 is generally considered moderate to insure compared to other cars, your insurance premium may still vary depending on various factors that insurers consider when determining rates. Certain models tend to be cheaper to insure due to their lower value, repair costs or rates of theft.
Best Companies for Insuring an Audi A3
When buying insurance for an Audi A3, keep in mind that cost is only one of many factors to consider — the best car insurance companies will also offer great customer service. MoneyGeek found that the top-rated insurers for an Audi A3 are:
- State Farm: MoneyGeek score of 90 out of 100 ($1,160 per year)
- GEICO: MoneyGeek score of 87 out of 100 ($1,319 per year)
State Farm offers the cheapest rate in our comparison group and also received the second-highest customer satisfaction rating, indicating that it offers a great balance of affordability and quality service.
MoneyGeek Top Pick: State Farm
pros
Offers the cheapest rates for an Audi A3 at $1,160 per year
Ranked second for customer satisfaction
Has roadside assistance and rental car reimbursement
cons
Lacks original equipment manufacturer (OEM) coverage
Has a poor claims management rating
COMPANY HIGHLIGHTS
State Farm stands out as a top choice for Audi A3 car insurance due to its budget-friendly rates — the company's average yearly premium is the cheapest out of the seven insurers we evaluated at $1,160. In addition, its high customer satisfaction ratings reflect the company's strong customer support.
State Farm also offers common coverage options that are useful to most drivers. Whether you have a flat tire, a dead battery or need a tow, State Farm's roadside assistance coverage can help. If your car breaks down, the company provides coverage for up to one hour of mechanical labor and towing to the nearest repair center.
State Farm's rental car reimbursement covers car rental expenses up to the policyholder's chosen limit and travel expenses up to $500 if you are more than 50 miles from home. State Farm will cover rental vehicle expenses up to $16 per day and up to $400 for each event.
MoneyGeek Runner-Up: GEICO
pros
Has affordable rates
Earned high customer satisfaction ratings
Offers accident forgiveness and mechanical breakdown insurance (MBI)
cons
Does not offer OEM coverage
Has a poor claims management score
COMPANY HIGHLIGHTS
GEICO, our runner-up choice for Audi A3 owners, provides drivers with useful add-ons, such as MBI and accident forgiveness. The company is also highly rated for customer service and offers affordable premiums.
If you’re looking for additional protection for your Audi A3, GEICO’s MBI is designed to cover all parts and systems on your car, regardless of the manufacturer's warranty. It is available to policyholders whose cars are less than 15 months old and have fewer than 15,000 miles. GEICO’s accident forgiveness also protects you from a rate increase after your first at-fault accident. You can buy or earn this policy through safe driving.
In addition, roadside assistance from GEICO can benefit drivers who experience unexpected car issues. With this coverage, policyholders can access services, such as emergency towing, jumpstarts, lockout services and tire changes.
Cost of Insuring an Audi A3 by Model Year
The model year of your car can significantly impact the average cost of car insurance. For instance, a 2009 model Audi A3 costs an average of $1,230 per year to insure, while a 2022 model costs an average of $1,817 per year. Newer car models are typically more expensive to insure because they have a higher value and cost more to repair or replace in case of damage or theft.
Insurance rates will depend on the insurer and the model year of your car. For both the 2009 and 2022 Audi A3, State Farm offers the cheapest full coverage rate at $976 per year and $1,318 per year, respectively.
Cost of Insuring an Audi A3 for 16- to 25-Year-Olds
Car insurance rates are much higher for teenagers and drivers in their 20s compared to adults aged 30 and above. On average, insuring an Audi A3 for a 16-year-old costs $6,844 per year, while a 40-year-old driver pays about $1,500 annually. The cost of car insurance for teens typically decreases every year they age in their teens, but usually stabilizes during their 20s.
Adding a teen to a family car insurance policy is a great way to save money as it's much cheaper than getting them an individual policy. It's also important to note that teens under 18 cannot legally purchase an individual policy without a parent or guardian agreeing to cosign. State Farm offers the cheapest individual plan rates for a 16-year-old driver at $4,222 per year, while Farmers is the most expensive at $11,223 per year. Families with teens should shop around to find the best affordable teen car insurance.