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

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Updated: May 20, 2024

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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.

MoneyGeek Logo IconCar Insurance CostsAudi A3

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for an Audi A3.

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These rates were updated to reflect the average cost of car insurance for an Audi A3 as of 2023.

10Companies Compared
41,832 Quotes Analyzed

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.

Data filtered by:Results filtered by:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,160
GEICOAverage Annual Premium$1,319
TravelersAverage Annual Premium$1,378
NationwideAverage Annual Premium$1,432
ProgressiveAverage Annual Premium$1,662
AllstateAverage Annual Premium$1,704
FarmersAverage Annual Premium$1,840

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

State Farm



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



Lacks original equipment manufacturer (OEM) coverage


Has a poor claims management rating


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.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO




Has affordable rates


Earned high customer satisfaction ratings


Offers accident forgiveness and mechanical breakdown insurance (MBI)



Does not offer OEM coverage


Has a poor claims management score


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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

Data filtered by:Results filtered by:
Coverage:Full Coverage
2022Average Annual Premium$1,817
2021Average Annual Premium$1,753
2020Average Annual Premium$1,691
2019Average Annual Premium$1,670
2018Average Annual Premium$1,650
2017Average Annual Premium$1,557
2016Average Annual Premium$1,516
2015Average Annual Premium$1,452
2014Average Annual Premium$1,390
2013Average Annual Premium$1,381
2012Average Annual Premium$1,347
2011Average Annual Premium$1,282
2010Average Annual Premium$1,268
2009Average Annual Premium$1,230

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.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$1,318
GEICOAverage Annual Premium$1,489
NationwideAverage Annual Premium$1,621
TravelersAverage Annual Premium$1,932
ProgressiveAverage Annual Premium$1,998
AllstateAverage Annual Premium$2,208
FarmersAverage Annual Premium$2,227

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.

Data filtered by:Results filtered by:
Coverage:Full Coverage
16Average Annual Premium$6,844
17Average Annual Premium$5,555
18Average Annual Premium$4,902
19Average Annual Premium$3,413
20Average Annual Premium$3,101
21Average Annual Premium$2,389
22Average Annual Premium$2,213
23Average Annual Premium$2,060
24Average Annual Premium$1,958
25Average Annual Premium$1,768

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.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Coverage:Full Coverage
State FarmAverage Annual Premium$4,222
NationwideAverage Annual Premium$6,582
GEICOAverage Annual Premium$6,899
TravelersAverage Annual Premium$7,734
AllstateAverage Annual Premium$10,047
ProgressiveAverage Annual Premium$10,919
FarmersAverage Annual Premium$11,223

How Does Location Affect the Cost of Audi A3 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Audi A3 Insurance

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.

What company has the cheapest car insurance for an Audi A3?
What company offers the best car insurance for an Audi A3?

About Mark Fitzpatrick

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Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.