Audi A3 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi A3 costs more than most other cars to insure.
• Liability only auto insurance prices for an A3 run about $76 a month, while full coverage typically tends to be around $184 per month.
• The most affordable insurance company for an A3 is AmericanAlliance.

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A3 Overview

Coming in with a base MSRP of $33,300 for 2020 models, the Audi A3 is a great budget-friendly car for drivers of all types. There are four different trim levels currently available, so you'll drive off the dealership lot in style.

We sifted through thousands of auto insurance quotes on Compare.com, and we've found that Audi A3 car insurance rates are about $177 monthly, on average. But how does that compare to other cars on the market?

How Much is Car Insurance for an Audi A3?

If you look at the table above, you'll see that compared to other vehicles, Audi A3 insurance premiums are right around average. On average, A3 drivers can expect to pay about $76 per month for liability insurance, and around $184 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the A3 is on par with the other vehicles in Audi's lineup. Similarly, compared to other vehicles of a similar body style, A3 coverage runs close to average, with full coverage insurance rates coming in at $7 higher than other cars and liability insurance premiums at $7 cheaper.

When compared to all vehicles, regardless of make, body style, or model, the A3 follows a similar pattern of having average insurance prices.

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Who has the Cheapest Car Insurance for an Audi A3?

If you're browsing for an auto insurance policy for an Audi A3, you most likely want to know which carrier offers the cheapest rates. Although costs will generally be pretty different from between drivers, Hugo and and AnswerFinancial offer the cheapest average rates for liability only coverage, with rates as cheap as just $37 monthly.

Finishing off the rest of the top 5 are CSAA, Aspire, and Sun Coast. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, insurance companies look at multiple factors when calculating premiums, so your results might be different. By analyzing quotes from a whole bunch of car insurance carriers at once, you can guarantee you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for an Audi A3?

As we mentioned above, there are a range of variables that auto insurance companies consider to choose how much they charge -- and each company weighs certain pieces more than others, so there's not just one carrier that's the most affordable for every driver.

Below are just a few of the things insurance carriers look at and how each one affects your final rate:

Vehicle Age

The Audi A3 has been around for a while, so vehicle age may make a big difference in what you end up paying for auto insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go lower.

As you can see in the table above, the Audi A3 is inline with this trend, as the cheapest models to insure are those that are 2 to 3 and 15 or more years old, while the most expensive models are A3s that are 4 to 5 years old, on average.

Your Age

Age makes a difference in how much you pay for car insurance. Based on the information above, younger drivers have higher rates than older A3 drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group for A3 drivers being 35-44.

Your Gender

Did you know women tend to pay less for auto insurance than men? This is because women are less likely to get speeding tickets and get into collisions, which lowers the chances of an insurance claim. When it comes to A3 drivers specifically, men pay about $78 per month for car insurance, while women pay around $72.

Where You Live

It may seem like common sense that variables like what vehicle you drive and how old you are play a role in your insurance premiums, but did you know that where you live can have just as much as an impact? Because auto insurance is regulated on the state level rather than nationally, prices can shift quite a bit from state to state.

For example, the average Audi A3 driver in New York pays about $237 a month for liability coverage. Meanwhile, on average, the same owner in California will pay only a quarter of that price. The chart above shows average premiums for the 10 largest states by population, just to give you a good idea of how much rates can change across states.

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Audi A3 Car Insurance Discounts

No matter which car you drive, how old you are, or what state you call home, using as many discounts as possible when it comes to your car insurance is always important when shopping around for a new policy.

Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Pay-in-full discounts for agreeing to pay your entire policy premium up front, rather than in monthly installments
• Multi-policy discounts for getting both your home and auto policies from the same company
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Defensive driving discounts for taking a defensive driving class through an accredited school or institution

But these aren't the only discounts car insurance carriers offer to their customers. Often, it's actually having a favorable driving record and insurance history that get you the most affordable rates.

While you may not be able to control every factor auto insurance companies reference to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the ones you can use to your favor when it comes to saving money:

Your Driving Record

It's no secret that insurance carriers offer the cheapest premiums to drivers with clean records. It checks out that your car insurance prices will get higher if you get into an accident or get a ticket for speeding. But you're probably wondering exactly how much these infractions can cost you.

As you can tell from the table above, accidents will usually cost A3 drivers more than tickets, but both will result in above average rates. Audi A3 drivers with a single accident on their record pay an average of $126 per month (up $50 from the $76/mo. overall average), while drivers with one ticket will pay about $91 monthly. Those who have multiple kinds of either violation will end up paying even more.

How Much You Drive

Another variable that impacts your insurance rates is the amount of miles you drive. Those who drive less have fewer opportunities to get into an accident, so they'll usually end up spending less on auto insurance. Based on the table above, you can see that Audi A3 owners who drive 10,000 miles or more pay $71 for insurance, while those who drive fewer than 2,500 miles a year pay about $68 a month.

But if you happen to be one of those drivers who put very few miles on your Audi A3 each year, it may be worth getting usage-based or pay-per-mile auto insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Audi A3s Compare to Other Vehicles?

If you're thinking about purchasing a new vehicle and an Audi A3 is on your shortlist, you're probably wondering how it compares to other vehicles. Auto insurance is just one cost that comes with buying a new car, but it's guaranteed to be one that's worth taking into consideration.

Visit the table below to see how the Audi A3 stacks up:

As you can see, a Audi A3 is a great value when it comes to overall price tag. The A3 comes in at $33,300, which is quite a bit lower than the national average vehicle MSRP of $46,547.

Liability insurance for an Audi A3 is around $19 per month less than average, while full coverage is over $30 more per month.

When it comes to usage, Audi A3 drivers are near the national average in annual miles driven, with 11,271 miles each year compared to 11,617 for all vehicles.

Audi A3 Car Insurance Costs by Model Year

We've walked through many of the things that can affect how much the average driver pays for car insurance. But if you're considering buying a new A3, knowing what you can expect to pay can be extremely helpful as you weigh your choices.

Choose Your Model

2020 Audi A3 Car Insurance 2019 Audi A3 Car Insurance 2018 Audi A3 Car Insurance 2017 Audi A3 Car Insurance 2016 Audi A3 Car Insurance 2015 Audi A3 Car Insurance 2013 Audi A3 Car Insurance 2012 Audi A3 Car Insurance 2011 Audi A3 Car Insurance 2010 Audi A3 Car Insurance

2020 Audi A3 Car Insurance

The average cost to insure a 2020 Audi A3 with liability only coverage is $62 monthly, while full coverage runs about $204 per month.

We found Hugo offered the lowest policy, with rates as little as $18 a month.

If you want to know exactly how much you can expect to pay for your A3, get free quotes in minutes by just entering your ZIP code below.

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2019 Audi A3 Car Insurance

You can expect full coverage for a 2019 A3 to run around $192 monthly, while liability only coverage will average about $62 a month.

With rates as cheap as $21 per month, Hugo offered the most affordable policy we found.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2018 Audi A3 Car Insurance

2018 Audi A3 drivers can expect to pay an average of $73 a month for liability or $197 for full coverage.

With premiums as low as just $17 per month, Safeco offered the lowest policy we found for the 2018 Audi A3.

What will your auto insurance price be? All you need to do is enter your ZIP code below and you'll be on your way to comparing many personalized quotes from the nation's top insurance companies.

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2017 Audi A3 Car Insurance

It costs around $71 monthly for liability or $203 for a full coverage policy for the 2017 A3.

If you're looking for the lowest possible 2017 Audi A3 insurance policy, Liberty Mutual offered the cheapest policy we found, with rates as low as $18 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2016 Audi A3 Car Insurance

On average, drivers who own a 2016 Audi A3 can expect to pay $97 to $194 per month for liability only and full coverage car insurance, respectively.

Looking for the most affordable policy? Mercury offered liability only coverage for sometimes as low as $18 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2015 Audi A3 Car Insurance

It costs about $70 per month for liability or $188 for a full coverage policy for the 2015 A3.

Mercury has prices sometimes as little as $20 a month for the 2015 Audi A3.

Want to find the cheapest rates? Just enter your ZIP code below to get a variety of personalized quotes for free.

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2013 Audi A3 Car Insurance

The average cost to insure a 2013 Audi A3 with liability only coverage is $72 monthly, while full coverage runs around $132 per month.

Aspire offered the lowest policy we found, with rates sometimes as cheap as $22 monthly.

If you're looking for a more exact figure on what you should pay for insurance for a 2013 Audi A3, you can get free quotes in minutes by just entering your ZIP code below.

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2012 Audi A3 Car Insurance

2012 A3 drivers can expect to pay an average of $76 a month for liability or $163 for full coverage.

We found Hugo offered the most affordable policy, with rates as little as just $18 monthly.

Interested in what your car insurance premium will be? Enter your ZIP code below to get multiple customized quotes for free.

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2011 Audi A3 Car Insurance

You can expect full coverage for a 2011 Audi A3 to run about $136 a month, while liability only coverage will average around $66 per month.

Looking for the lowest policy? Clearcover offered liability only coverage for as low as $22 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2010 Audi A3 Car Insurance

On average, drivers who own a 2010 A3 can expect to pay $70 to $166 a month for liability only and full coverage auto insurance, respectively.

Elephant offered the cheapest policy we found, with rates sometimes as little as $18 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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Audi A3 Insurance FAQs

Is an Audi A3 expensive to insure?

The Audi A3 is relatively expensive to insure compared to the average car. Liability insurance runs an average of $76 monthly, while full coverage will cost you around $184.

How can I get the best price on car insurance for my Audi A3?

There's only one way to confirm you're getting the lowest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from lots of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi A3 affect my insurance premiums?

Have you heard the old adage that it costs more to insure a red car before? Well, that's actually not the case. There are a whole range of factors insurance companies consider when they decide how much to charge for a policy, but your vehicle's color is not factored into that equation.

Do I need to have insurance before I buy an Audi A3?

You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Audi A3 off the dealership lot. As part of the buying process, some dealerships may offer you an auto insurance policy, but it's best to let your car insurance carrier know before you buy.

What car insurance discounts can I get for my Audi A3?

There are a variety of discounts out there when it comes to auto insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the A3 you drive, but if your A3 has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. The best way to find out is to contact your insurance company and ask about which discounts they offer.