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
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.
Audi A3 premiums range from $64 a month for older models to $230 for the newest ones. Newer model years cost more to insure because they cost more to replace.
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 costs. The Audi A3 averages $1,497 a year in repair costs, 11th lowest among Audi's 33 models. That's a high absolute figure relative to most vehicles and a primary driver of the A3's premium level.
- Trim, features and accessories. The A3's power output ranges from 110 to 306 horsepower depending on trim. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. A3 drivers tend to fall between ages 30 and 45, with a median around 38, a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle.
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.
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 premiums spread widely across trims. Minimum coverage on the S Line Premium Plus Sedan 4D costs $66 a month. Full coverage on the 40 TFSI Premium Plus costs $235. A trim's market value and repair costs determine where it falls in that 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
Wyoming drivers pay $38 a month for minimum coverage on an Audi A3. Louisiana drivers pay $181. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.
| 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 steps cut Audi A3 insurance costs without trading away the coverage you need.
- 1Choose the right coverage
Coverage needs depend on how you own the A3. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance.
If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 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
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings of the best car insurance companies.
- 4Explore discounts you qualify for
Audi A3 owners commonly qualify for safety feature discounts (the A3's standard advanced driver assistance systems support this) along with good driver credits, bundling savings when combining auto and home policies and anti-theft device discounts for factory security features.
The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor braking, speed and late-night driving patterns, then price the policy on actual behavior. A3 drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
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?
Audi A3 premiums are higher than most vehicles for two vehicle-level reasons: $1,497 in average annual repair costs and above-average theft rates for luxury compact cars.
Standard advanced safety features partially offset the theft factor. Driving record, credit score and coverage level move the final premium from there.
How can I lower Audi A3 insurance costs?
Start with quotes from at least three insurers. Stack every discount you qualify for: the A3's standard safety features, good driver credits and bundling home and auto are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Audi A3 Insurance Costs
Audi A3 cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.