Is an Audi A3 expensive to insure?

Yes, car insurance rates for the Audi A3 are typically on the expensive side, with premiums for full coverage averaging $3,071 per year for adult drivers. Younger drivers or those in high-risk areas such as dense cities may see even higher rates.

What Audi is the cheapest to insure?

Although insurance for an Audi A3 is more expensive than the national average, it's still one of the cheapest Audis to insure. Another Audi model with lower insurance rates is the Q5 SUV, with an average annual premium of $3,072.

Is it expensive to own an Audi A3?

As a luxury car, the Audi A3 comes with significant ownership costs that will vary depending on the age and condition of your A3 as well as personal factors like location and insurance risk profile. Because insurance is one of the biggest ongoing ownership costs for A3 owners, it's worth comparing the A3 to some of its competitors if you're concerned about the cost to own this car.

Car Insurance for Audi A3

How much does it cost to insure an A3?

With average full coverage premiums around $3,071 per year, the Audi A3 is on the pricier side when it comes to insurance. Audi A3 car insurance costs roughly 15 percent more than the national average for full coverage.

Car insurance rates for any vehicle vary based on a wide range of vehicle factors, from the age of the car to the cost of replacement components, repair needs, safety features and trim levels. These factors are often interconnected, and may also interact with personal risk factors like driver age, record and insurance coverage.

$3,071 Avg annual full coverage
insurance premium

$769 Avg annual min coverage
insurance premium

Manufacturer's suggested retail price (MSRP): From $38,200

Trims available: Premium and Premium Plus

Repair costs

As a luxury vehicle, an Audi A3 comes with higher repair costs than most standard cars. This can raise the cost of insurance, especially if you've opted for the Premium Plus trim or either of the A3's optional upgrade packages.

Safety features

Advanced driver assistance systems like blind-spot monitoring and forward collision mitigation come standard on the A3, which may reduce the risk and severity of crashes. However, the cost to repair these systems could also increase the cost of your collision insurance.

Crash ratings

While it's not rated by the National Highway Traffic Safety Administration (NHTSA), the A3 performed well in crash tests by the Insurance Institute for Highway Safety (IIHS), but missed out on a Top Safety Pick designation.

Cheapest car insurance companies for an A3

No single car insurance company is the most affordable choice for all Audi owners, but Bankrate identified some trends in pricing for A3 insurance. Keep in mind that the average rates discussed below may not reflect the quotes you're eligible for based on personal rating factors like location, age and driving experience.

How much does it cost to insure my A3?

The carriers listed below are among the cheapest car insurance providers for Audi A3 owners, according to average premium data from Quadrant Information Services.

2023 Audi A3 car insurance premium by carrier


Auto-Owners	$2,156	- $915
Nationwide	$2,294	- $777
Travelers	$2,351	- $720
Progressive	$2,471	- $600
USAA	$2,673	- $398

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Insurance disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Other car insurance coverage for an A3

The average rates featured above represent a standard full coverage policy with specified limits (check out the Methodology section below for more info). But your own insurance needs may vary depending on the age of your Audi, your financial situation and other factors. If you're not sure how much coverage to carry on your A3, consider working with a licensed insurance professional or including some of the following types of coverage:

Higher liability limits: State minimum liability limits will keep you in compliance with the law, but they often don't provide enough financial protection in the event of an accident. Think about your available assets when selecting liability limits and be sure that you're buying enough coverage to protect what you have.
Comprehensive and collision coverage: If you don't have a lease or loan on your Audi, these types of physical damage coverage aren't required by law — but unless you're comfortable replacing your car or covering damage costs out of pocket, you may want to include them in your policy.
Gap insurance: If you're financing a new A3, adding gap coverage can help to protect your investment by covering the difference between your remaining loan balance and the potential insurance payout if your Audi is stolen or totaled shortly after purchase.

How to get an A3 car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.
Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare A3 with other similar cars

Audi A3 Avg annual full coverage premium $3,071 Read More	BMW 330i Avg annual full coverage premium $3,293 See more models	Mazda Mazda3 Sedan Avg annual full coverage premium $2,710 See more models
Price (MSRP)
$38,200	$45,950	$24,150
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
Not rated	5 stars	5 stars
Gas mileage
24-34 mpg	28-35 mpg	27-37 mpg
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Worse than average	Substantially worse than average	Average

Frequently asked questions

Yes, car insurance rates for the Audi A3 are typically on the expensive side, with premiums for full coverage averaging $3,071 per year for adult drivers. Younger drivers or those in high-risk areas such as dense cities may see even higher rates.
Although insurance for an Audi A3 is more expensive than the national average, it's still one of the cheapest Audis to insure. Another Audi model with lower insurance rates is the Q5 SUV, with an average annual premium of $3,072.
As a luxury car, the Audi A3 comes with significant ownership costs that will vary depending on the age and condition of your A3 as well as personal factors like location and insurance risk profile. Because insurance is one of the biggest ongoing ownership costs for A3 owners, it's worth comparing the A3 to some of its competitors if you're concerned about the cost to own this car.

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.