The annual rates for full coverage insurance for an Audi A3 range from $1,163 to $6,656. Insurance rates can vary greatly based on the car's model year, your age, where you park, your driving record, the coverage level you choose and the insurer. In this article, MoneyGeek explores Audi A3 insurance costs, offering insights into the best companies and most affordable options for drivers.
Audi A3 Insurance Cost
Key Takeaways
GEICO provides the most affordable annual rates for minimum coverage across all model years, with an average rate of $467, making it an attractive option for budget-conscious drivers.
For an Audi A3, the average cost of car insurance is $573 annually for minimum coverage and $1,496 for full coverage.
MoneyGeek analyzed 4,183 quotes for the Audi A3 from Quadrant Information Services.
Audi A3 Insurance Rates
What Is the Average Audi A3 Car Insurance Cost?
The average cost of full coverage insurance for an Audi A3 is $125 per month or $1,496 per year. This estimate is based on a 40-year-old male with a clean driving record. For minimum coverage, the average cost is $48 per month or $573 per year.
| Minimum Liability | $573 |
| Full Coverage | $1,496 |
Read More: Average Cost of Car Insurance
Audi A3 Insurance Costs by Company
Audi A3 insurance costs range from $1,206 to $2,204 annually, depending on age, model year and coverage level. The table below compares average Audi A3 insurance rates from various national and mid-sized providers to the average rates for all vehicles from the same insurers.
| Allstate | $1,805 | $1,809 | 0% |
| Auto-Owners Insurance Co | $1,213 | $1,226 | -1% |
| Farmers | $1,967 | $1,954 | 1% |
| GEICO | $1,380 | $1,331 | 4% |
| Kemper | $2,204 | $2,210 | 0% |
| Nationwide | $1,529 | $1,588 | -4% |
| Progressive | $1,761 | $1,741 | 1% |
| State Farm | $1,206 | $1,269 | -5% |
| Travelers | $1,430 | $1,521 | -6% |
| USAA | $1,228 | $1,198 | 2% |
Read More: Best Car Insurance Companies
Cost of Insuring an Audi A3 by Model Year
The year your Audi A3 was produced can impact your insurance rates, with older models typically costing less to insure. For instance, insuring a 2022 model might cost around $1,781 annually for full coverage, while coverage for a 2009 model could be as low as $1,219. Below, you'll find the average full and minimum coverage rates for every Audi A3 production year.
| 2022 | $602 | $1,781 |
| 2021 | $600 | $1,739 |
| 2020 | $598 | $1,696 |
| 2019 | $608 | $1,681 |
| 2018 | $616 | $1,658 |
| 2017 | $578 | $1,601 |
| 2016 | $586 | $1,543 |
| 2015 | $570 | $1,486 |
| 2014 | $550 | $1,437 |
| 2013 | $578 | $1,387 |
| 2012 | $580 | $1,338 |
| 2011 | $557 | $1,298 |
| 2010 | $580 | $1,259 |
| 2009 | $578 | $1,219 |
Audi A3 Insurance Costs by Driver Age
Audi A3 insurance rates differ significantly based on the driver's age. For example, a 40-year-old pays around $1,509 annually for full coverage, while a 16-year-old faces a steep $6,656. Below are the average full coverage and state minimum rates for Audi A3 drivers of various ages.
| 16 | $2,679 | $6,656 |
| 17 | $2,170 | $5,406 |
| 18 | $1,896 | $4,754 |
| 19 | $1,352 | $3,382 |
| 20 | $1,214 | $3,074 |
| 21 | $955 | $2,469 |
| 22 | $872 | $2,272 |
| 23 | $809 | $2,121 |
| 24 | $766 | $2,017 |
| 25 | $684 | $1,809 |
| 26 | $666 | $1,733 |
| 27 | $650 | $1,695 |
| 28 | $639 | $1,668 |
| 29 | $629 | $1,645 |
| 30 | $607 | $1,587 |
| 35 | $591 | $1,537 |
| 40 | $584 | $1,509 |
| 45 | $580 | $1,490 |
| 50 | $565 | $1,444 |
| 55 | $551 | $1,406 |
| 60 | $551 | $1,401 |
| 65 | $586 | $1,437 |
| 70 | $636 | $1,537 |
| 75 | $707 | $1,686 |
| 80 | $801 | $1,875 |
| 85 | $869 | $2,015 |
| 90 | $918 | $2,112 |
Audi A3 Insurance Rates Explained
There are a number of factors that will affect drivers' car insurance rates based on their driver profiles. However, auto insurance providers will also take into account factors tied to the vehicle you drive. Below is a breakdown of the cost factors related to your vehicle.
Audi A3 Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Audi A3
Average Full Coverage Rate
$1,496Premiums for Audi A3 are:$200 more
This is 15% more expensive.
Value
The MSRP of the Audi A3 is $40,495, classifying it as a luxury car. This higher MSRP can lead to increased insurance costs as insurers consider the vehicle's value when determining premiums.
Repair Costs
The annual repair cost for the Audi A3 is $741, which is below the national average. Lower repair costs can lead to cheaper insurance premiums as insurers consider the cost of repairs when setting rates.
Performance
The Audi A3 has a 0 to 60 time of 0 seconds and 201 horsepower, not classifying it as a high-performance vehicle. Insurers may offer lower premiums as high performance is often linked to riskier driving behavior.
Fuel Type
The Audi A3 uses gasoline, which does not significantly impact insurance costs compared to electric or diesel vehicles.
Vehicle Age
Newer cars like the Audi A3 are typically more expensive to insure than older vehicles. However, classic or collector cars can be exceptions and may have higher insurance costs.
Safety Features
Safety features such as stability control, airbags and antilock brakes can qualify the Audi A3 for insurance discounts. These features help reduce the risk of accidents.
Vehicle Size
Larger vehicles often cost more to insure due to increased property damage potential. The Audi A3 is a smaller vehicle, which may result in lower insurance costs compared to larger models.
Trim Level
Higher trim levels often include premium upgrades, leading to a higher MSRP. As a result, the Audi A3's higher trim levels will cost more to insure than the base model.
Theft Rates
Vehicles at higher risk of theft cost more to insure. The Audi A3 does not have a high tendency to be stolen, which may not lead to increased insurance rates.
Anti-Theft Features
Vehicles with anti-theft features can qualify for lower premiums. The Audi A3 includes features like stability control and airbags, which may help reduce insurance costs.
Cheapest Audi A3 Insurance
GEICO offers the cheapest minimum coverage for an Audi A3 at $467 per year. This rate applies to a 40-year-old male with a clean driving record. Below is a breakdown of the most affordable Audi A3 insurance rates across various coverage levels, age groups, driving records, model years and more.
Cheapest Audi A3 Insurance by Coverage Level
Your coverage level greatly affects your Audi A3 insurance rate. GEICO provides the cheapest state minimum coverage, on average, while State Farm offers the most affordable full coverage. Below is a breakdown of the cheapest provider for both coverage types.
Cheapest Minimum Coverage Audi A3 Insurance
GEICO and State Farm offer the cheapest state minimum coverage for Audi A3 drivers at $39 per month. Other competitive options include Travelers at $46, Progressive at $53 and Nationwide at $55 monthly. Rates range from $39 to $56.
| USAA | $33 | $398 |
| GEICO | $39 | $467 |
| State Farm | $39 | $472 |
| Travelers | $46 | $549 |
| Progressive | $53 | $637 |
| Nationwide | $55 | $659 |
| Allstate | $56 | $666 |
| Farmers | $56 | $677 |
*State Farm offers the lowest average minimum coverage insurance rates for non-military affiliated Audi A3 owners. Otherwise, USAA would be the most affordable option.
Best Audi A3 Insurance Rates by Model Year
Because the above list doesn't account for your vehicle's production year, you might find lower rates depending on your Audi A3's age. Check the table below to filter and find the cheapest minimum coverage rates for each production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $667 | $56 |
| Farmers | $674 | $56 |
| GEICO | $469 | $39 |
| Nationwide | $652 | $54 |
| Progressive | $612 | $51 |
| State Farm | $468 | $39 |
| Travelers | $589 | $49 |
| USAA | $388 | $32 |
*USAA is only available for military veterans, active servicemembers and their families
Cheapest Full Coverage Audi A3 Insurance
State Farm offers the cheapest full coverage insurance for your Audi A3, with average rates of $97 monthly or $1,163 annually. Below is a full list of providers and their rates for full coverage car insurance for the Audi A3.
| State Farm | $97 | $1,163 |
| USAA | $98 | $1,172 |
| GEICO | $109 | $1,310 |
| Travelers | $117 | $1,403 |
| Nationwide | $119 | $1,434 |
| Progressive | $138 | $1,652 |
| Allstate | $142 | $1,708 |
| Farmers | $151 | $1,815 |
*On average, State Farm is the cheapest insurer for non-military affiliated Audi A3 owners seeking a full-coverage policy. Otherwise, USAA would be the most affordable option.
Read More: Cheapest Full-Coverage Car Insurance
Cheapest Audi A3 Insurance by Age
Younger drivers aged 16-25 and seniors 55 and up often pay more for Audi A3 insurance. Finding the lowest rate is important for these drivers. Below is a breakdown of the cheapest Audi A3 insurance by age.
Cheapest Audi A3 Insurance for Young Drivers
State Farm offers the most affordable insurance for young Audi A3 drivers, averaging $86 monthly and $1,031 yearly for state minimum coverage. Below is a table listing the complete rates for young drivers.
| USAA | $68 | $819 |
| State Farm | $86 | $1,031 |
| GEICO | $92 | $1,104 |
| Travelers | $95 | $1,140 |
| Allstate | $129 | $1,552 |
| Nationwide | $144 | $1,733 |
| Progressive | $149 | $1,787 |
| Farmers | $154 | $1,852 |
State Farm is the cheapest insurer for non-military affiliated young drivers, but otherwise, USAA would be the most affordable option. Read More: Car Insurance For Young Drivers
Cheapest Audi A3 Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $43 per month or $519 annually. The full list of affordable Audi A3 insurers is highlighted below:
| State Farm | $43 | $519 |
| USAA | $44 | $528 |
| GEICO | $46 | $557 |
| Travelers | $55 | $659 |
| Nationwide | $64 | $773 |
| Progressive | $66 | $790 |
| Allstate | $68 | $816 |
| Farmers | $77 | $924 |
*State Farm is the cheapest insurer for senior non-military affiliated Audi A3 owners. Otherwise, USAA would be the most affordable option.
Read More: Best Cheap Car Insurance For Seniors
Cheapest Audi A3 Insurance After an Accident
State Farm, GEICO, and Travelers are the three cheapest car insurance providers for Audi A3 drivers after an accident. See the complete list below.
| State Farm | $49 | $592 |
| USAA | $50 | $606 |
| GEICO | $61 | $731 |
| Travelers | $65 | $776 |
| Allstate | $76 | $909 |
| Nationwide | $85 | $1,015 |
| Progressive | $86 | $1,035 |
| Farmers | $119 | $1,427 |
Read More: Cheapest Car Insurance After an Accident
Audi A3 Insurance Cost: Bottom Line
Make it a habit to compare rates from different providers to find the cheapest car insurance. In this article, we explored Audi A3 insurance, detailing costs for various demographics and highlighting the cheapest providers.
Audi A3 Insurance Rates: FAQ
Below are some common questions about the cost of insuring an Audi A3.
What company has the cheapest car insurance for an Audi A3?
GEICO offers the cheapest car insurance for an Audi A3, with an annual rate of $467 for minimum coverage.
What is the average cost of car insurance for an Audi A3?
The average cost of car insurance for an Audi A3 is $573 for state minimum coverage and $1,496 for full coverage annually. Keep in mind that rates can vary based on individual circumstances and location.
Audi A3 Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data, information and 4,183 quotes for a Audi A3 from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Audi A3:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Audi A3 insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn’t available, our data scientists interpolated expected rates based on how individual insurers tend to price car models year by year. Our published rates are simply estimates and may not reflect the actual rate that you’ll receive for your Audi A3.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.