Compare the Cost of Audi A3 Insurance by Model Year and Company

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.

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.

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.

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.

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.

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.

When it comes to car insurance, factors such as the model type, Audi A3 year and driver age all play a role, but location can have an even greater impact. The cheapest car insurance company for a sample car varies by state. In general, Idaho has the lowest average premiums, and Florida has the highest. To find the best Audi A3 insurance rates, you should compare several quotes from the cheapest insurers in your state.

People shopping for Audi A3 car insurance may have questions regarding pricing and coverage quality. Here are some frequently asked questions to help you out.