Is the Audi S3 expensive to insure?

Broadly speaking, Audis are expensive to insure, and the S3 is no exception. Audis usually have expensive repair parts, which can drive up claims costs after an accident. Plus, cars with higher sticker prices tend to cost more to insure.

How can I save money on Audi S3 insurance?

Most insurance companies offer ample savings opportunities to help lower your premium. If you're stuck with an uncomfortably high car insurance bill, you may want to give a licensed agent a call. They can help you identify discounts you may have missed when you initially signed up for your policy and help you balance your coverage needs with your budget.

How much is an Audi S3 per month for insurance?

According to Bankrate's research, it costs an average of $301 per month for full coverage for an Audi S3. Minimum coverage costs an average of $64 monthly.

Car Insurance for Audi S3

How much does it cost to insure an Audi S3?

Car insurance for an Audi S3 costs an average of $3,613 per year for full coverage. This is roughly 35 percent more than the national average cost of a full coverage policy, which is $2,677 annually.

Car insurance companies consider multiple variables when pricing your policy. These can include, but aren't limited to, a car's safety features, repair costs and crash ratings.

$3,613 Avg annual full coverage
insurance premium

$766 Avg annual min coverage
insurance premium

Manufacturer’s suggested retail price (MSRP): $48,700

Trims available: Premium, Premium Plus, Prestige

Repair costs

The S3 has a powerful two-liter, turbocharged, 328-horsepower engine under its hood. While this makes it fun to drive, it can also make repairs more expensive. CarEdge estimates that, over a 10-year period, Audi S3 owners spend around $9,755 in maintenance costs.

Safety features

The base trim of the Audi S3 comes with a few safety features built in, like automatic emergency braking. Higher trims have other driver assistance options, such as adaptive cruise control and lane-keeping assistance. While valuable safeguards, this type of tech can make insurance claims more expensive.

Crash ratings

The Audi S3 was not rated by the National Highway Traffic Safety Administration or the Insurance Institute for Highway Safety. This isn't uncommon for sportier vehicles. Typically, less-sporty cars that are proven to be safer in accidents are cheaper to insure.

Cheapest car insurance companies for an Audi S3

There's no one car insurance company that offers the cheapest car insurance for the Audi S3. To find a good deal, most experts suggest you shop around and compare a handful of quotes. Car insurance companies each use their own methods and formulas to set your rate. Thus, one company may offer you a better deal for your coverage than another.

How much does it cost to insure an Audi S3?

To get the comparison process started, Bankrate gathered average rates from some of the cheapest Audi S3 car insurance providers in the table below.

2023 Audi S3 car insurance premium by carrier


Auto-Owners	Auto-Owners	$2,332	$2,332	- $1,281	- $1,281
Nationwide	Nationwide	$2,446	$2,446	- $1,167	- $1,167
Travelers	Travelers	$2,745	$2,745	- $868	- $868
Progressive	Progressive	$2,994	$2,994	- $619	- $619
State Farm	State Farm	$2,836	$2,836	- $777	- $777

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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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Advertising disclosure

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 Audi S3

Your car insurance policy must, at the very least, meet your state's minimum coverage requirements. However, minimum coverage by itself often isn't enough. If, for example, you cause an accident and only have a minimum coverage car insurance policy, you'd be on the hook for your vehicle's repairs. Or, if your car is stolen, you won't be able to file a claim for the loss.

For broader financial protection, consider these add-on coverage types:

Original equipment manufacturer (OEM) coverage: If you want your S3 repaired with original Audi parts (as opposed to aftermarket ones), you may want to add OEM coverage to your car insurance policy.
Rental reimbursement: Audis are known to take a little longer to repair. If your car is in the shop due to a covered loss, rental reimbursement can help you pay for a temporary vehicle while you wait.
Gap insurance: Gap insurance can help if your car is rendered a total loss, as it pays the difference between your auto loan balance and the payout you get from your insurance company. This is especially helpful in the first few years of ownership, when you may owe a significant amount on your loan.
Comprehensive insurance: Also called other-than-collision insurance, comprehensive coverage covers losses not related to car accidents. These can include vehicle theft, hail damage, hitting an animal and floods.
Collision insurance: Collision insurance helps pay for your vehicle's repairs, even if you are found at-fault for an accident.

Learn more: What is full coverage car insurance?

How to get an Audi S3 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 Audi S3 with other similar cars

Audi S3 Avg annual full coverage premium $3,613 Read More	Volkswagen Golf GTI Avg annual full coverage premium $2,767 See more models	Cadillac CT5 Avg annual full coverage premium $3,066 See more models
Price (MSRP)
$48,700	$32,445	$47,595
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	Not rated	5 stars
Gas mileage
26 mpg	27 mpg	26 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	Average	Average

Frequently asked questions

Broadly speaking, Audis are expensive to insure, and the S3 is no exception. Audis usually have expensive repair parts, which can drive up claims costs after an accident. Plus, cars with higher sticker prices tend to cost more to insure.
Most insurance companies offer ample savings opportunities to help lower your premium. If you're stuck with an uncomfortably high car insurance bill, you may want to give a licensed agent a call. They can help you identify discounts you may have missed when you initially signed up for your policy and help you balance your coverage needs with your budget.
According to Bankrate's research, it costs an average of $301 per month for full coverage for an Audi S3. Minimum coverage costs an average of $64 monthly.

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.