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 Insurance Cost
Audi S3 coverage costs $1,499 yearly for state minimum and $2,923 for full protection, with affordable rates starting at $93 monthly.
Find out if you're overpaying for Audi S3 insurance below.

Updated: October 3, 2025
Key Takeaways
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.
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.
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 | $125 | $244 |
Compare Insurance Rates
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
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.
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:
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.
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.
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.
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.
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:
- Travelers: Most affordable in 14 states
- GEICO: Most affordable in nine states
- Progressive: Most affordable in five states
Filter below to find the cheapest auto insurance rates for your Audi S3 in your area.
Alabama | Travelers | $84 |
How to Get the Best Cheap Audi S3 Insurance
Below, we break down available car insurance discounts for your Audi S3:
- 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
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
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
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
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
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?
The Audi S3's average annual insurance costs $1,499 for state minimum and $2,923 for full coverage.
What company has the cheapest car insurance for an Audi S3?
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.
Are Audi S3s expensive to insure?
Yes, Audi S3 insurance costs more than most cars. Out of 827 vehicles we track, the S3 ranks 654th for affordability.
What factors affect insurance costs for Audi S3s?
Several factors drive up your Audi S3 rates. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live also affects rates. Areas with more theft or fewer Audi-certified repair shops increase insurance rates.
How can I lower Audi S3 insurance costs?
Shop around with multiple insurers as rates vary for Audis, and consider usage-based insurance programs that track your driving habits. Take advantage of discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
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, 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.