The Audi A3 is a family car with a luxury twist. While owning an Audi is a goal for many, how much does Audi A3 insurance cost? The average cost of car insurance in the U.S. is $1,674 per year for a full coverage policy, but your price will vary based on the vehicle you drive, its specifications and your unique rating factors. Understanding how much car insurance for Audi A3s costs could help you decide if the vehicle is the right choice for you. Bankrate researched the average cost of auto insurance for the Audi A3 to help you make a well-rounded financial decision when buying a vehicle.
Models included in this review:
- Audi A3
How much does it cost to insure an Audi A3?
Full coverage car insurance costs $1,674 per year, based on Bankrate’s 2021 analysis of quoted annual premiums. However, the cost of car insurance varies based on a number of factors, including the type of car you drive and which car insurance company you choose. Even the best car insurance companies vary in their rates. If you’re looking to buy an Audi A3, you can expect these factors to affect your insurance price:
- Crash rate stats per make/model: The 2019 Audi A3, which is the model for which we analyzed premium data, was a 2019 Insurance Institute for Highway Safety (IIHS) Top Safety Pick. The vehicle received mostly “Good” scores, although its headlights scored in the “Average” and “Poor” categories, based on trim package. The vehicle-to-vehicle front crash prevention system earned a score of “Superior.”
- Price of parts: Because Audi is a luxury brand, drivers should expect to pay a bit more for parts than they would for more standard vehicles. Higher costs for repairs generally means higher insurance costs.
- Safety features: Generally, having safety features that could help lessen the cost of an accident will result in lower insurance premiums for certain coverage types. The A3 comes with forward collision warning and emergency braking both as standard features, which could help prevent or at least lessen the severity of accidents.
Car insurance for an Audi A3
While insurance rates will vary by driver and household, understanding the average cost of car insurance for your chosen vehicle make and model can help you get an idea of what coverage could cost for you. This could help you decide if a vehicle is right for your budget or determine whether you are currently overpaying for coverage.
Car insurance for Audi A3
The Audi A3 is a sedan built with luxury in mind. With room for five passengers, the A3 provides family-friendly travel in a stylish package. The brand’s Quattro all-wheel drive is optional, but may provide peace of mind if you’re driving in rough weather. You might also be able to add on extras, like adaptive cruise control and automatic high-beam headlights, for even more safety and comfort on the road. Perhaps because of its standard safety features, minimum coverage for the Audi A3 is lower than the national average of $565 per year; safety features could help prevent accidents and thus prevent liability claims. However, the Audi A3’s luxury features come with a higher price tag than many other models, making the average full coverage premium for this vehicle higher than the national average of $1,674 per year.
|Audi A3 car insurance||Average annual premium|
Cheapest car insurance companies for Audi A3s
Different car insurance companies have different methods of rating policies, so prices vary between providers. The five car insurance companies below offer some of the cheapest car insurance for the Audi A3. Average rates between these five companies vary by more than $700 per year, which highlights the importance of shopping around and getting quotes from a few different carriers.
Average annual premium for full coverage by model
Audi A3 features that impact insurance costs
The Audi A3 is an impressive vehicle. The following features may affect how much you pay for auto insurance:
- Forward collision warning: This feature is standard on the 2019 Audi A3 and warns the driver if the distance between the front of the car and another object is closing too quickly. This alert could help drivers avoid accidents and thus could lower insurance costs.
- Emergency braking: Also standard on the 2019 A3, emergency braking could lower your insurance rates by helping to prevent or lessen the severity of front-end accidents. If you aren’t braking fast enough to avoid hitting the vehicle in front of you, for example, your vehicle could automatically brake to prevent the crash.
- Luxury finishes: The Audi A3 is a luxury sedan. As such, the finishes in the car are of a higher standard than they are on many other vehicles. Because the Audi A3 is a more expensive car to own, repair and replace, insurance costs may be higher.
However, insurance rates are complex. Although these features could lower the cost of certain coverage types by helping to mitigate or prevent damage, they also mean a vehicle is likely to be more expensive to repair or replace, which can increase the cost of car insurance. The best way to know how much your coverage will cost is to get quotes from several different providers.
Other car insurance coverage for the Audi A3
Beyond A3-specific features, the amount of insurance you decide to buy for your car will directly impact how much you pay. In addition to the liability coverage required by most states, you might want to add optional protections for your Audi A3. Collision coverage and comprehensive coverage, for example, can both help pay for damage to your vehicle in different scenarios, like accidents and natural disasters. Both of these coverage types are part of a full coverage policy. You may also want to consider gap insurance if you financed your Audi A3. Gap coverage is designed to pay the difference between your car’s actual value if it’s totaled or stolen compared to the amount on your loan.
The more coverage you purchase, the higher your insurance costs are likely to be. However, purchasing lower levels of coverage could leave you with high out-of-pocket costs if you are in an accident. Car insurance is designed to protect your finances from these costs, so many experts recommend purchasing higher limits of liability than your state’s minimum limits, as well as additional coverage types for more financial protection.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Audi of the following model types, commute five days a week and drive 12,000 miles annually:
- Audi A3
These are sample rates and should only be used for comparative purposes.