Audi S3 Insurance Cost


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Key Takeaways

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Monthly Audi S3 insurance costs range from $89 for basic coverage to $403 for comprehensive protection, with variation based on trim level and model year.

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The Audi S3 ranks 654th out of 827 vehicle models for insurance affordability in the United States market, placing it among the more expensive cars to insure.

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Travelers offers the most affordable full coverage for Audi S3 owners at $187 monthly, while minimum coverage policies start around $93 per month.

How Much Is Audi S3 Insurance?

Audi S3 insurance costs average $125 monthly for minimum coverage and $244 for full coverage. Depending on your specific trim and model year, costs can range from $93 for a 2015 Audi S3 to $403 for a 2019 Audi S3 monthly.

Audi S3$125$244
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Audi S3 Insurance Cost by Model Year

Your Audi S3's model year and available trim options affect your insurance rates, with newer vehicles usually costing more due to higher fair market value. Monthly premiums for different S3 model years range from $96 for older models to $375 for newer ones.

2025$112$220
2024$109$212
2023$106$207
2022$124$243
2020$119$233
2019$193$375
2018$164$317
2017$142$276
2016$110$214
2015$96$186

Audi S3 Insurance Cost by Trim

Your Audi S3's trim affects insurance costs. Premium models start around $102 monthly, while higher-end trims like the Premium Sedan 4d reach $272. The difference reflects each trim's features, market value, and replacement costs that insurers consider when setting rates.

Premium$102$199
Premium Plus$110$215
Tfsi Premium Plus Sedan 4d$118$232
Tfsi Premium Sedan 4d$119$234
Prestige$120$234
Premium Plus Sedan 4d$124$241
Prestige Sedan 4d$136$265
Premium Sedan 4d$139$272

Compare Personalized Audi S3 Insurance Costs

We've segmented Audi S3 insurance rates by model year and trim for accurate cost estimates.

Data filtered by:Results filtered by:
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Model Year:2015
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Trim:Prestige Sedan 4d
Prestige Sedan 4d$93$181

Audi S3 Insurance Cost by Company

Audi S3 insurance costs vary by provider from $148 to $303 monthly. Minimum coverage ranges from $93 to $195, while full coverage costs $187 to $432. Rates vary due to different risk assessment models.

AAA$142$295
AIG$173$432
Allstate$158$306
Amica$156$320
Chubb$151$304
Farmers$195$342
GEICO$93$203
Kemper$123$254
Nationwide$124$215
Progressive$121$227
State Farm$114$238
The Hartford$118$202
Travelers$101$187
UAIC$173$216

Audi S3 Insurance Cost by State

Depending on your state, car insurance for an Audi S3 ranges from $53 monthly in Wyoming to $518 in Louisiana.

Alabama$112$213
Alaska$92$196
Arizona$147$276
Arkansas$106$237
California$120$244
Colorado$120$287
Connecticut$165$285
Delaware$162$272
Florida$139$323
Georgia$169$282
Hawaii$67$151
Idaho$69$141
Illinois$117$220
Indiana$82$161
Iowa$76$184
Kansas$94$221
Kentucky$149$255
Louisiana$246$518
Maine$70$145
Maryland$182$309
Massachusetts$126$269
Michigan$195$379
Minnesota$107$225
Mississippi$112$223
Missouri$159$316
Montana$101$242
Nebraska$96$219
Nevada$195$355
New Hampshire$92$164
New Jersey$195$322
New Mexico$101$227
New York$139$250
North Carolina$98$192
North Dakota$88$192
Ohio$95$184
Oklahoma$117$259
Oregon$135$236
Pennsylvania$117$272
Rhode Island$156$278
South Carolina$123$231
South Dakota$76$236
Tennessee$98$201
Texas$150$306
Utah$125$213
Vermont$64$151
Virginia$120$193
Washington$110$205
West Virginia$116$235
Wisconsin$84$186
Wyoming$53$166

Audi S3 Insurance Cost by Driver Profile

Your age and driving history dramatically impact Audi S3 insurance costs. Young drivers under 25 can expect monthly premiums around $467, while adult drivers between 26-64 typically pay just $184 monthly. This $283 difference shows how much your driver profile affects your rates.

Adult Drivers$125$244
Young Drivers$319$615
Senior Drivers$167$307
Drivers With a Speeding Ticket$156$306
Drivers With an Accident$185$357
Drivers With a DUI$232$447
Drivers With Bad Credit$301$608

Is an Audi S3 Expensive to Insure?

You might be concerned about Audi insurance costs given the vehicle's luxury status. Compared to the rest of the models on the U.S. market, an Audi S3 ranks 654th out of 827, making it one of the more expensive cars to insure. Among subcompact luxury sedans, the model ranks second out of three similar models.

Mercedes CLA$111$215
Audi S3$125$244
Bmw M8$156$307

Factors That Affect Audi Car Insurance Costs

Several factors affect what you'll pay for Audi S3 insurance coverage:

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    Average Repair or Replacement Costs

    Audi ranks 34th in repair affordability among 59 U.S. automakers with median annual costs of $1,467. Audi S3 repair costs average $1,247 annually, making it Audi's second most affordable model to repair while still contributing to higher insurance premiums.

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    Vehicle Trim, Features and Accessories

    The S3's high-performance capabilities (328 horsepower, 0 to 60 mph in 4.4 seconds) increase insurance premiums. 

    Advanced features like torque splitter differential, sport suspension, quattro AWD system, and premium trim levels (Premium Plus, Prestige) elevate replacement values and specialized repair requirements compared to standard luxury sedans.

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    Fuel Type

    All S3 models require premium gasoline and feature a high-performance turbocharged engine that demands specialized maintenance. 

    The sport-tuned powerplant with increased boost pressure and aggressive tuning creates higher mechanical stress, leading insurance companies to factor elevated breakdown risks and expensive performance-specific repairs into premium calculations.

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    Location

    S3 owners concentrate in urban areas where performance vehicles attract attention from thieves and face higher accident risks. 

    The model's appeal to younger professionals in metropolitan markets creates geographic clustering in high-cost insurance zones. Urban driving conditions with stop-and-go traffic also stress performance components more than highway driving, affecting long-term reliability assessments.

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    Driver Profile

    Most S3 drivers are young professionals (30 to 45) with median household incomes around $150,000 to $200,000. This demographic represents a mix of established professionals seeking performance and younger buyers attracted to the S3's aggressive styling.

    Driver demographics affect S3 rates:

    Age (30 to 45 median): Performance-oriented buyers are often younger than the typical Audi demographic, increasing risk factors
    Gender (70% male): Strong male preference correlates with performance vehicle attraction and higher risk behaviors
    Income ($150,000+ median): High income suggests financial stability, though performance car purchases may indicate risk-taking personality traits

Cheapest Audi S3 Insurance Companies

S3 owners can find the most affordable full coverage car insurance through Travelers, with monthly premiums averaging $187. For drivers seeking basic minimum coverage, GEICO offers the cheapest option at $93 per month.

Travelers$101$187
GEICO$93$203
The Hartford$118$202
Nationwide$124$215
Progressive$121$227

Cheapest Audi S3 Insurance by State

We found these are the three most affordable car insurance providers for an Audi S3:

  1. Travelers: Most affordable in 14 states
  2. GEICO: Most affordable in nine states
  3. Progressive: Most affordable in five states

Filter below to find the cheapest auto insurance rates for your Audi S3 in your area.

Data filtered by:Results filtered by:
Select
State:Alabama
AlabamaTravelers$84

How to Get the Best Cheap Audi S3 Insurance

Below, we break down available car insurance discounts for your Audi S3:

  1. 1

    Choose the right coverage

    Three things matter when choosing how much coverage to buy: what your Audi's worth, how much you drive and what you can afford to spend:

    Tight budget (you own the car):

    • Your state's minimum liability requirements
    • Add comprehensive and collision with a $1,000 deductible

    Want better protection (you own the car):

    • 100/300/100 liability coverage
    • Comprehensive and collision with a $500 deductible

    Financing or leasing:

    • 100/300/100 liability coverage
    • Comprehensive and collision with a $500 deductible
    • Gap insurance (most lenders require this)

    *Coverage Limits Explained (100/300/100):

    • $100,000 bodily injury per person
    • $300,000 bodily injury per accident
    • $100,000 property damage coverage
  2. 2

    Research costs and cheap companies

    Researching average auto insurance costs for your Audi S3 will give you an idea of how much you're saving currently and with another provider. You can then look for the cheapest car insurance companies.

  3. 3

    Look for more than just low rates

    To get the most balanced car insurance for your Audi S3, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.

  4. 4

    Explore discounts you qualify for

    Finding car insurance discounts you'll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Audi S3 owners will qualify for:

    • Multi-Car/Multi-Vehicle Discount (12% to 25% savings): Audi expects S3 customers to have a median household income of $145,000, often meaning multiple vehicles in affluent households. This substantial income level typically supports owning more than one car, qualifying S3 owners for multi-vehicle discounts from virtually all insurers.
    • Bundling/Multi-Policy Discount (5% to 25% savings): With 97% homeownership rates among convertible Audi owners and percentages owning homes valued at more than $1 million, S3 owners can bundle auto and home insurance for substantial savings from major carriers. Their high-income status makes homeownership and multiple policies the norm.
    • Good Driver/Safe Driver Discount (5% to 30% savings): The median age of Audi buyers is 40, with 70% being college graduates, a mature, educated demographic that typically maintains clean driving records. This professional profile helps S3 owners qualify for good driver discounts across most insurance companies.
    • Safety Features/Advanced Safety Discount (5% to 40% savings): NHTSA gave the A3 platform good ratings in crash tests, and its built-in features, like automatic emergency braking, help you avoid crashes.
    • Professional/Occupation Discount (5% to 15% savings): With 70% being college graduates and many working in professional roles, S3 owners often qualify for professional discounts. Engineers, teachers, medical professionals, and other white-collar occupations frequently receive reduced rates due to their statistical safety profiles.
  5. 5

    Consider alternative car insurance types

    Audi S3 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.

  6. 6

    Check rates every year

    Comparing car insurance quotes from multiple sources can cut your Audi S3 insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.

Audi S3 Insurance Cost: Bottom Line

Insuring an Audi S3 costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.

Audi S3 Insurance Rates: FAQ

Here are answers to common questions about insuring an Audi S3.

What is the average cost of car insurance for an Audi S3?

What company has the cheapest car insurance for an Audi S3?

Are Audi S3s expensive to insure?

What factors affect insurance costs for Audi S3s?

How can I lower Audi S3 insurance costs?

How We Determined Audi S3 Insurance Costs

We studied hundreds of millions of quote estimates across all car models sold in the U.S. from 2000 to 2025 to get you the most accurate Audi S3 insurance costs. 

Who We Based These Rates On

These Audi S3 prices reflect what a typical driver pays:

  • Age 40, unmarried male
  • Clean record: no tickets or crashes
  • Credit score in a good range
  • Has never made an insurance claim
  • Puts about 12,000 miles on the odometer yearly
  • Has a valid driver's license with no suspensions on record

Coverage Definitions:

  • Minimum Coverage: State-required liability limits
  • Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.


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