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Cheapest Audi A3 Car Insurance (Apr 2024)

Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Audi A3
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How much does Audi A3 car insurance cost? 

On average, Audi A3 drivers spend $99 each month on state minimum car insurance and $196 per month for full coverage. Compared to other popular cars like the Dodge Challenger, Bmw X1, and Mitsubishi Eclipse, the Audi A3 is 7% less expensive to insure. 
However, there is no real ‘average’ cost of car insurance as your price depends on your driver profile. Many factors play a role in determining your Audi A3 insurance costs, from the trim level you own to your car’s age. The only way to understand how much your car insurance will cost is to compare car insurance quotes

Compare the cheapest Audi A3 car insurance quotes

This may feel complicated, but it doesn’t have to be.
Jerry
is a
car insurance price comparison
tool that helps you to easily compare quotes, saving you time and money. Jerry has helped Audi A3 drivers save an average of $16 per year on their car insurance. 
Check out the table below to see real, free quotes that real people have gotten from Jerry.
DateCarInsurance companyPremium (monthly)CustomerInsurance coverage
April 14, 2024
Audi A3 2.0 PremiumTravelers
$113
• State Minimum Liability
April 1, 2024
Audi A3 PremiumSafeco
$150
• 100,000/300,000 Liability
• Comp / Collision
March 30, 2024
Audi A3 Premium PlusProgressive
$114
• 50,000/100,000 Liability
• Comp / Collision
March 27, 2024
Audi A3 PremiumAAA
$250
• 30,000/60,000 Liability
• Comp / Collision
March 26, 2024
Audi A3 PremiumAllstate
$190
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 14, 2024
However, insurance costs can vary greatly even for the same model. In addition to your driving record, ZIP code, and insurance history, insurance companies will consider your car’s model year and trim level when generating a quote.
To find out the rate for your Audi A3, you’ll need to
get car insurance quotes
from at least three insurance companies.

The best car insurance companies for Audi A3 owners

There’s no single best insurance company for all Audi A3 owners—car insurance rates are highly personalized, and every insurance company uses a slightly different algorithm to
calculate your premiums
But that doesn’t mean we can’t find the best insurance company for you
Jerry conducted the largest survey in the nation to help people compare car insurance companies. Check out how drivers rate different insurance companies below.
Insurance CompanyOverall RatingPriceClaims ExperienceCustomer Service
Safeco
4.6
4.4
4
4.5
Travelers
4.5
4.2
4.4
4.5
Progressive
4.3
3.9
3.9
4.3
AAA
4.2
4
3.8
4.4
Allstate
4.2
3.6
3.8
4.2
USAA
4
3.5
4.5
4.2
State Farm
4
3.4
3.8
4.2
Farmers
4
3.4
4.1
3.9
Geico
3.9
3.3
3.9
4
Liberty Mutual
3.7
3.2
3.5
3.7
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

How much car insurance do you need for a Audi A3?

The average cost of Audi A3 insurance is $196 per month for full coverage and $99 for state minimum coverage– but individual quotes can vary greatly depending on a variety of factors including model year, trim level, driving history coverage levels, and more. 
CarAverage Full Coverage Insurance CostAverage State Minimum Insurance Cost
Audi A3
$196
$99
  • Minimum coverage insurance
    is the minimum amount of coverage legally required in your state, which typically includes at least bodily injury and property damage liability insurance. 
  • Full coverage insurance
    provides financial protection for damage to yourself, your vehicle, and other vehicles and passengers involved in an accident.
While knowing auto insurance averages can be useful, getting personalized quotes is
the best way to shop for insurance
. Jerry makes quote shopping easy, finding you the best coverage at the best rate.

Why are some trims more expensive to insure than others?

Repair and replacement costs tend to be higher for premium trim levels, making them a higher risk to insurance companies. 
For instance, the 2023 Audi A3 had three trim levels whereas the 2024 Audi A3 had only two trim levels, Premium and Premium Plus. Quattro all-wheel drive is available, which can raise insurance prices.
If you’re driving a base 2024 Audi A3 with the Premium trim, your vehicle has leather upholstery, panoramic sunroof, and MMI touch display technology. These luxury features alone trigger higher-than-average insurance costs.
Upgrade to the Premium Plus trim and you’ll enjoy even more features, like adaptive cruise assist with lane guidance, keyless entry, and an automated parking system. The higher trim level’s extra perks are more costly to repair and replace, hence the higher insurance cost.
Check out the table below to see the average cost of auto insurance for some popular Audi A3 trims.
CarMonthly minimum coverage costMonthly full coverage cost
A3 Audi E-Tron Premium
$115
$128
A3 Audi Premium
$103
$201
A3 Audi Premium Plus
$88
$191
A3 Audi Premium Plus S-Line
$50
$107
Lower my car insurance too!

Audi A3 insurance cost by model year

The more recently your Audi A3 was manufactured, the more it’ll cost to insure. New models are worth more and often have higher repair costs thanks to cutting-edge technology.
It’s also worth pointing out that the trim levels vary between model years of the Audi A3, not to mention the safety ratings, technology options, and paint colors. These can significantly impact your insurance prices.
The model year is not the only difference between a 2022 Audi A3 Premium and a 2019 Audi A3 Premium, in other words. 
In 2019, there were four trim levels on the A3 with Premium as the base level. In 2022, there were three trim levels with Premium as the base level. The 2022 A3 Premium comes with driver restriction features and blind spot monitoring, whereas the same model in 2019 does not. On the other hand, the 2019 model’s headlights were auto-leveling—and it had a CD player.
Check out some see real quotes for Audi A3s provided by Jerry to better understand how your driver profile might affect your cost.

2022 Audi A3 car insurance quotes

It's important to remember that car insurance rates are as unique as the drivers themselves. The best way to understand how much you might pay is to compare real quotes like the ones below from different insurance companies. 
The Audi A3 was absent during the 2021 year as designers worked to improve the model.
Check out some real quotes Jerry compared for 2022 Audi A3 drivers below:
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$102
Lelia, 42
Houston, TX
• State Minimum Liability
$162
Gregory, 44
Lockhart, TX
• 50,000/100,000 Liability • Comp / Collision
$314
Lee, 49
Modesto, CA
• State Minimum Liability • Comp / Collision
$358
Noah, 23
El Paso, TX
• State Minimum Liability • Comp / Collision

2020 Audi A3 car insurance quotes

This model year earned top scores from Cars.com and J.D. Power for owner satisfaction and reliability.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
2020
Audi
A3 S-Line Premium
$144
• 100,000/300,000 Liability • Comp / Collision
$199
Lucinda, 33
San Antonio, TX
• 50,000/100,000 Liability • Comp / Collision
$147
• 250,000/500,000 Liability • Comp / Collision
$191
• State Minimum Liability
2020
Audi
A3 S-Line Premium
$76
Cordelia, 32
Fairfield, CT
• State Minimum Liability

2019 Audi A3 car insurance quotes

The 2020 A3 was one of the better model years for the A3. Even though the average yearly cost of repairs is higher than average for the A3 ($741 for the A3 versus $652, the national figure), the A3 still ranks highest in the Audi family for reliability.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$148
Dollie, 25
Newark, DE
• State Minimum Liability • Comp / Collision
$144
• 100,000/300,000 Liability • Comp / Collision
$147
• 100,000/300,000 Liability • Comp / Collision
Clearcover
$85
• State Minimum Liability • Comp / Collision
$370
• No Coverage Liability • Comp / Collision

2018 Audi A3 car insurance quotes

New safety upgrades benefitted the ‘18 Audi A3, such as forward collision warning with automatic emergency braking. These can help lower insurance costs—but the ‘18 A3 also got some luxury features like a turbocharged TFSI option and impressive infotainment system. It also had several recalls through the NHTSA.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$215
Gertrude, 25
Lewisville, TX
• State Minimum Liability • Comp / Collision
Clearcover
$115
Nathan, 45
Norristown, PA
• 50,000/100,000 Liability • Comp / Collision
$259
• 100,000/300,000 Liability • Comp / Collision
$179
Kenneth, 31
Houston, TX
• State Minimum Liability
2018
Audi
A3 Prestige
$90
Mike, 33 Clayton, NJ
• 100,000/300,000 Liability • Comp / Collision

2017 Audi A3 car insurance quotes

Many ‘17 A3 owners reported ongoing problems with engine stalls, in addition to the intermittent airbag light illumination, and thermostat leaks in the 2016 model. The issue was so serious that Volkswagen
issued a recall for some ‘17 and ‘18 A3 models
—and insurance companies paid close attention.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$145
• State Minimum Liability • Comp / Collision
$180
Louisa, 30
Atlanta, GA
• 50,000/100,000 Liability • Comp / Collision
$307
Harriet, 32
Burbank, CA
• 100,000/300,000 Liability • Comp / Collision
$190
Connor, 25
Tracy, CA
• State Minimum Liability
Clearcover
$129
Juan, 42 Bertram, TX
• State Minimum Liability • Comp / Collision

2016 Audi A3 car insurance quotes

The 2016 model in specific had some issues
with airbags
and engines, which insurers factor in when setting your insurance premiums.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$90
• State Minimum Liability • Comp / Collision
$95
Landon, 34
Henrico, VA
• 50,000/100,000 Liability • Comp / Collision
$173
Estella, 34 Washington, DC
• 100,000/300,000 Liability • Comp / Collision
$154
• State Minimum Liability • Comp / Collision
Gainsco
$237
• State Minimum Liability • Comp / Collision

2015 Audi A3 car insurance quotes

The ‘15 and ‘16 A3s suffered from problems like
faulty airbags
and
a failing start-stop system
. Insurance companies take this information into account when setting rates for 2015 Audi A3s.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$103
Fanny, 39
Woodbridge, VA
• 30,000/60,000 Liability • Comp / Collision
$362
Stanley, 30
Jersey City, NJ
• 50,000/100,000 Liability • Comp / Collision
$272
Edwin, 46
Amarillo, TX
• 100,000/300,000 Liability
Clearcover
$218
Ricardo, 38
Dallas, TX
• State Minimum Liability • Comp / Collision
Gainsco
$189
Cole, 29 Weaver, AL
• State Minimum Liability • Comp / Collision

2013 Audi A3 car insurance quotes

This was one of the best years for the A3, with minimum consumer complaints. The ‘13 A3 benefitted from a better infotainment system, improved navigation features, and new safety systems.
Car
Insurance Company
Premium (monthly)
Customer
Insurance Coverage
$140
Ophelia, 51
Tucson, AZ
• State Minimum Liability • Comp / Collision
Clearcover
$103
Barry, 33
Carlsbad, CA
• 50,000/100,000 Liability • Comp / Collision
$341
Lenora, 29
Rocklin, CA
• 100,000/300,000 Liability • Comp / Collision

See all Audi A3 insurance information by year

Are Audi A3s expensive to insure? 

The average Audi A3 insurance rate is $99 per month. Compared to the national average for other models from a similar price range, it is 7% less expensive to insure a Audi A3.
CarMonthly minimum coverage costMonthly full coverage cost
Audi A3
$99
$196
Tesla Model Y
$94
$220
Lincoln MKX
$90
$173
Jaguar S-Type
$124
$219
BMW X6
$109
$208
Why are similar cars more or less expensive to insure? When calculating the cost of your insurance, insurance companies take many factors into consideration. MSRP, trim level, model year, and the cost of repairs are some of the many factors that can influence how much your insurance costs.

Audi A3 safety ratings

Insurance companies also consider the safety ratings of a particular car to determine insurance premiums. 
The two best-known vehicle safety rating organizations are:
  • Insurance Institute for Highway Safety (IIHS): The IIHS assesses the safety of a vehicle using two factors: how well vehicle occupants are protected in the event of a car crash, and how well the technology in the vehicle can prevent or reduce the severity of crashes.
  • National Highway Traffic Safety Administration (NHTSA): The NHTSA’s 5-Star Safety Rating is based on how vehicles perform in frontal, side and rollover crash tests. 
NHTSA crash test ratings are not available for the Audi A3.
Note that the A3 earns safety ratings every year—and these ratings can vary from one trim to the next, one model year to the next, as the manufacturers improve on their designs. Even a good rating on a certain A3’s overall crash performance doesn’t counteract future recalls that were discovered at a later date.
For instance, if you drive a 2023 A3, this model earned the title of
Top Safety Pick+ from the IIHS
. The Premium Plus model comes with additional driver safety features that decrease its risk factor.
The 2022 A3, on the other hand,
faced six recalls
from seatbelt pretensioners and airbags to rear view camera issues.
The IIHS gave a failing rating
to this model’s seat belt reminders and headlights.
The 2018 A3
also faced recall
s due to safety issues that could affect passenger air bags. The IIHS
gave this model acceptable ratings
for seat belt reminders and headlights.
See the tables below for a detailed look at safety ratings for the Audi A3.

Insurance Institute for Highway Safety (IIHS) Rating

Rating type
Rating
Front crash prevention: vehicle-to-vehicle
Superior
Front crash prevention: vehicle-to-pedestrian (day)
Advanced
Seat belt reminders
Poor

What other factors affect Audi A3 insurance rates?

Many factors influence your
car insurance rate
, such as:
  • The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
  • Your age: Driver age affects insurance rates too. Drivers under 25 years of age will pay higher insurance rates. Insurance companies consider young drivers to be high risks due to their limited driving experience.
  • Your driving record and claims history: Insurance companies will charge more if you have a history of accidents or tickets.

Audi A3 insurance cost for young drivers

Teen drivers
between the ages of 16 and 19 face the highest insurance costs out of any age group. For teen car owners driving a newer car, full coverage insurance offers better financial protection, since teenagers are more likely to get into accidents.
card cover
Frank (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationEdgerton, WI
$135
per month
card cover
Eugenia (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$214
per month
card cover
Lora (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$156
per month
card cover
Lucile (22 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$232
per month
card cover
Harriett (23 years old)
coverageCoverage
State Minimum
$179
per month

Audi A3 insurance cost for senior drivers

As you enter your mid-70s, car insurance costs begin to climb again. 
Car insurance rates for seniors
 tend to be higher for several reasons. 
Older drivers are more likely to be involved in accidents, and are also more vulnerable to severe injuries in the event of a collision, leading to significant medical expenses and other increased costs for insurance providers.
card cover
Ada (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
$102
per month
card cover
Polly (65 years old)
coverageCoverage
State Minimum
$189
per month
card cover
Wayne (72 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
$99
per month

Audi A3 insurance cost for drivers with driving violations 

Your driving record impacts your auto insurance quotes. Those with a clean driving record are rewarded with lower insurance premiums.  
If insurance companies notice a history of violations, they’ll see you as a higher risk and charge you a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident
  • Reckless driving
  • Driving on a suspended license

Cheapest car insurance for Audi A3 drivers with speeding ticket

There are varying degrees of speeding. For example, speeding 1-5 MPH over the limit, 6-10 MPH over the limit generally won’t raise your rates as much as speeding over 21 MPH over the limit. 
Jerry is proud to help Audi A3 drivers with varying speeding tickets save on car insurance.
Speeding TypeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
Speeding 1-5
Audi A3 Premium PlusNationwide
$182
• 50,000/100,000 Liability
• Comp / Collision
Speeding 16-20
Audi A3 Premium PlusProgressive
$246
• State Minimum Liability
• Comp / Collision
Speeding 21+
Audi A3 Premium
Gainsco
$350
• State Minimum Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Cheapest car insurance for Audi A3 drivers with a DUI record

If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. 
You may need to compare rates from many insurance companies to find low-cost options after a DUI. Jerry has helped many Audi A3 drivers obtain affordable auto insurance rates after a DUI.
card cover
Elnora (60 years old)
coverageCoverage
State Minimum
$65
per month
card cover
Jessie (31 years old)
coverageCoverage
State Minimum
locationLaguna Beach, CA
$100
per month

Cheapest car insurance for Audi A3 drivers after an accident

One of the most important factors affecting car insurance rates is your car accident or claim history. 
If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Audi A3 drivers save on car insurance after car accidents.
Accident typeCarInsurance CompanyPremium (monthly)CustomerInsurance coverage
At Fault With No Injury
Audi A3 PremiumProgressive
$212
• 100,000/300,000 Liability
• Comp / Collision
At Fault With Injury
Audi A3 PremiumAAA
$101
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Audi A3 Premium PlusSafeco
$215
• State Minimum Liability
• Comp / Collision
At Fault With Injury
Audi A3 PremiumTravelers
$299
• 25,000/50,000 Liability
• Comp / Collision
Not At Fault
Audi A3 PremiumAllstate
$190
• 100,000/300,000 Liability
• Comp / Collision
coverageLast Updated Apr 15, 2024

Cheapest car insurance for Audi A3 drivers with other driving violations on their record

Other driving violations have the power to impact the cost of your insurance, too. In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your car insurance costs to increase. 
We’ve compiled a list of various other driving violations and how we helped Audi A3 drivers with these violations save on their car insurance.

ViolationCarInsurance CompanyPremium (monthly)CustomerInsurance Coverage
Defective Equipment
Audi A3 PremiumBristol West
$144
• 25,000/50,000 Liability
Failure to Obey Signal
Audi A3 Premium PlusProgressive
$143
• State Minimum Liability
• Comp / Collision
Careless Driving
Audi A3 PremiumInfinity
$314
• 15,000/30,000 Liability
Driving on Sus. License
Audi A3 PremiumAllstate
$230
• State Minimum Liability
Failure to Obey Signal
Audi A3 PremiumSafeco
$264
• 30,000/60,000 Liability
• Comp / Collision
Improper Passing
Audi A3 PremiumNational General
$100
• State Minimum Liability
coverageLast Updated Apr 15, 2024

How can I lower the cost of insurance for my car?

There are a variety of ways to lower insurance costs for your vehicle. 
  • Shop around: Shopping around for insurance coverage by comparing quotes from different insurance providers allows you to find the best coverage at the best price. Jerry makes this process easy by gathering quotes from over 55 top insurance companies in minutes, so you can compare prices. If you find a better deal, Jerry can even help you buy your new policy and cancel your old one.
  • Raise your deductible: Your
    car insurance deductible
    is the amount of money you pay out of pocket before your collision or comprehensive coverage kicks in. Raising your deductible reduces monthly insurance payments—but avoid raising it higher than you can afford to pay.
  • Reduce your coverage: If you have any older cars, you can
    reduce coverage
    on them to lower your bill. This is a good idea if your car is worth less than 10 times the premium you’re paying.
  • Research discounts: All insurance companies offer discounts, but they’re not always advertised, and your eligibility may vary from provider to provider. Check with your current insurer to see what discounts you might be missing out on. 
  • Bundle your insurance policies:
    Bundling your homeowners and auto insurance
    with the same company can amount to a lower overall bill. 

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.