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
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 |
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:
2015
Prestige Sedan 4d
| Prestige Sedan 4d | $93 | $181 |
Audi S3 Insurance Cost by Company
Audi S3 insurance costs $148 to $303 a month depending on your insurer. Minimum coverage ranges from $93 to $195 and full coverage from $187 to $432. Each company prices S3 risk differently, which accounts for that spread.
| 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
Minimum coverage for the S3 costs $53 a month in Wyoming and $518 in Louisiana. That $465 gap comes from each state's risk profile and regulations, not the vehicle.
| 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
Drivers under 25 pay about $467 a month for S3 insurance. Drivers aged 26 to 64 pay about $184. That $283 difference shows how much age and driving history affect your rate.
| 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?
The Audi S3 ranks 654th out of 827 vehicles for insurance affordability in MoneyGeek's analysis, putting it among the more expensive cars to insure. Among subcompact luxury sedans, it ranks second out of three.
| 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 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
Travelers has the lowest full coverage rate for S3 owners at $187 a month. GEICO has the cheapest minimum coverage at $93 a month.
| Travelers | $101 | $187 |
| GEICO | $93 | $203 |
| The Hartford | $118 | $202 |
| Nationwide | $124 | $215 |
| Progressive | $121 | $227 |
Cheapest Audi S3 Insurance by State
The three most affordable insurers for an Audi S3 are:
- Travelers: cheapest in 14 states
- GEICO: cheapest in nine states
- Progressive: cheapest in five states
Filter below to find the cheapest auto insurance rates for your Audi S3 in your area.
Data filtered by:
Alabama
| Alabama | Travelers | $84 |
How to Get the Best Cheap Audi S3 Insurance
Below, we break down available car insurance discounts for your Audi S3:
- 1Choose the right coverage
How much coverage you need depends on the S3's value, how much you drive and your budget. If you own and want to keep costs down:
- State minimum liability
- Comprehensive and collision with a $1,000 deductible
If you own and want more protection:
- 100/300/100 liability
- Comprehensive and collision with a $500 deductible
If you're financing or leasing:
- 100/300/100 liability
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require it)
What 100/300/100 means:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage
- 2Research 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.
- 3Look beyond the rate
Rate alone won't tell you whether a car insurance company is worth choosing. Check J.D. Power satisfaction scores, Better Business Bureau complaints and AM Best financial ratings while comparing coverage limits and deductibles.
- 4Check every discount you qualify for
S3 owners are well-positioned to qualify for several car insurance discounts. Here are the five most likely to apply:
- Multi-vehicle discount (12% to 25% savings): S3 buyers have a median household income of $145,000. At that income level, multiple-vehicle households are common, and nearly all insurers offer discounts for them.
- Bundling discount (5% to 25% savings): 97% of convertible Audi owners own their home, with a notable share owning homes valued above $1 million. Bundling auto and home insurance with the same carrier can cut both premiums.
- Good driver discount (5% to 30% savings): The median Audi buyer is 40 years old and 70% are college graduates. That demographic tends to hold clean records, which qualifies them for good driver pricing at most insurers.
- Safety features discount (5% to 40% savings): The S3's A3 platform earned strong NHTSA crash test scores and comes standard with automatic emergency braking. Both factors qualify for safety discounts with many carriers.
- Professional/occupation discount (5% to 15% savings): With 70% of S3 owners holding college degrees and many in professional roles, occupation-based discounts are worth asking about. Engineers, teachers and medical professionals frequently qualify.
- 5Look at usage-based programs
Audi S3 owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Get new quotes every year
Comparing car insurance quotes annually can cut S3 insurance costs by up to 24%. Rates shift frequently and your insurer won't tell you when a competitor drops their price.
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
Audi S3 rates in this analysis are based on a 40-year-old unmarried man with:
- No tickets or crashes
- Good credit
- No prior claims
- 12,000 miles driven yearly
- A valid license with no suspensions
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 (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 writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media 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.) and began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!