Audi S3 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi S3 costs more than most other cars to insure.
• Full coverage for a S3 typically tends to be about $205 per month, while liability only auto insurance prices tend to be around $93 monthly.
• Freedom is the cheapest car insurance company for a S3 with a national average of just $32 per month for liability only coverage.

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S3 Overview

With a base price of $43,000 for 2020 models, the Audi S3 is a great mid-level option for any driver. With two different trim levels currently available, every driver can find an option to match their style.

After analyzing thousands of insurance quotes through Compare.com, we've found that average Audi S3 car insurance premiums run about $181 a month. But how does that compare to other vehicles on the market?

How Much is Car Insurance for an Audi S3?

If you look at the table above, you'll find that Audi S3 insurance rates are more expensive than average compared to other vehicles. S3 drivers can expect to pay around $93 monthly for liability insurance, and about $205 per 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 the difference between these types of insurance).

When compared to other Audi models, the S3 is slightly more expensive, with premiums around 8% higher than the rest of the company's vehicle offerings. Compared to offerings from other brands, auto insurance for a S3 is similarly on the expensive side, with full coverage insurance rates coming in about 16% more and 12% more for liability only insurance.

They're also on the more expensive end to insure than the average vehicle, regardless of which make, model, or body style you compare it to.

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Who has the Cheapest Car Insurance for an Audi S3?

If you're searching for a new auto insurance policy for your Audi S3, you're probably most interested in which carrier offers the most affordable rates. While there will never be one company that offers the lowest prices for everyone, Shelter Mutual provides the most affordable average rates for liability only coverage, with rates as cheap as $19 a month. The next cheapest carrier is MetroMile, who offers insurance as little as $30 monthly.

The third, fourth, and fifth carriers on the list are Freedom, SafeAuto, and Clearcover. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.

Auto insurance companies take a bunch of factors into consideration when offering you rates. By analyzing quotes from a wide array of auto insurance carriers at once, you can be confident you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for an Audi S3?

As we mentioned above, there are lots of things that car insurance companies examine to choose how much they charge for insurance -- and each company weighs different variables more heavily than others, so there's not one carrier that's the most affordable for every driver.

The sections below show many variables car insurance carriers use to calculate rates:

Vehicle Age

Audi has been making the S3 for quite some time, so the car's age may play a big role in how much you'll pay for auto insurance. Normally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and S3s begin to depreciate, insurance costs will gradually decrease.

From the table above, you can see the Audi S3 is an outlier, as the most expensive models to insure are those that are 4 to 5 years old, while on average, the cheapest S3s are 1 year old or less.

Your Age

Age is another factor that plays a role in how much insurance companies will charge for a policy. As you can see in the table above, young drivers have higher premiums compared to drivers with more experience. In this case, drivers aged 18 to 24 pay $17 more than those 25 or older.

Insurance prices continue to get lower as you get older, with the cheapest age group for S3 drivers being 45-54.

Your Gender

Women generally to pay less for car insurance than men. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim. Surprisingly, for S3 drivers, this trend does not hold, and women pay more for their auto insurance than men.

Where You Live

You may already know that things such as what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live matters, too? Since auto insurance is regulated on a state-by-state basis, prices can vary quite a bit depending on which state you call home.

For example, the average Audi S3 driver in New York pays around $130 a month for liability coverage. Meanwhile, the same owner in California will pay less than half of that price, on average.

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Audi S3 Car Insurance Discounts

Regardless of your car, your home state, or your age, using as many discounts as possible when it comes to your car insurance policy is always a good idea.

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

• Defensive driving discounts for taking a defensive driving class through an accredited school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same company
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same carrier

However, discounts aren't the only way to save. Often, it's actually your driving history and insurance profile that get you the most affordable rates.

Although you may not be able to control every variable auto insurance carriers look at to calculate premiums (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use to your advantage in order to save on insurance:

Your Driving Record

You've no doubt noticed ads from car insurance companies offering large savings for good drivers. And you're probably not surprised to hear that if you get tickets for speeding or get into an accident, insurance rates will go up. But you still might be left wondering exactly how much collisions and moving violations will cost you.

If you look at the table above, you'll notice that accidents will usually cost S3 drivers more than tickets, but both will result in a raise in rates. Audi S3 drivers with a single accident on their record pay an average of $102 each month (up $9 from the $93/mo. overall average), while drivers with one ticket will pay about $34 per month. Drivers with multiple kinds of either violation will end up paying even more.

How Much You Drive

Another factor that plays a big role in your car insurance prices is how much you drive each year. Drivers who are on the roads less often are more likely to go accident-free, so they'll normally be offered cheaper premiums. Above, you can see that Audi S3 owners who drive 10,000 miles or more pay $113 for auto insurance, while those who drive fewer than 2,500 miles a year pay an average of $30 monthly.

But if you drive a limited amount, it may be worth getting pay-per-mile or usage-based car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Audi S3s Compare to Other Vehicles?

If you're thinking about buying a new vehicle and an Audi S3 is on your shortlist, it can pay off to do your research. Car insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.

Take a look at the table below to see how the Audi S3 compares:

As you can see, the Audi S3 is right on par with the average vehicle price here in the U.S. The S3 starts at $43,000, similar to the national average vehicle MSRP of $46,547.

Liability insurance for an Audi S3 is about $49 per month less than average, while full coverage is over $40 more a month.

When it comes to usage, Audi S3 owners drive about the same amount annually as the national average, with 12,141 miles per year compared to 11,617 for all vehicles.

Audi S3 Car Insurance Costs by Model Year

So far, you've seen how different variables affect how much the average driver pays for auto insurance. But if you're in the market for a new car, truck, or SUV and the S3 is on your wishlist, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your choices.

Choose Your Model

2020 Audi S3 Car Insurance 2019 Audi S3 Car Insurance 2018 Audi S3 Car Insurance 2017 Audi S3 Car Insurance 2016 Audi S3 Car Insurance 2015 Audi S3 Car Insurance

2020 Audi S3 Car Insurance

It costs around $32 monthly for liability or $213 for a full coverage policy for the 2020 Audi S3.

SafeAuto offered the lowest policy we found, with rates sometimes as low as $32 per month.

If you want to know exactly how much you can expect to pay for your S3, get free quotes in minutes by just entering your ZIP code below.

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2019 Audi S3 Car Insurance

You can expect full coverage for a 2019 S3 to run about $198 monthly, while liability only coverage will average around $42 per month.

If you're looking for the lowest possible 2019 Audi S3 insurance policy, Shelter Mutual offered the most affordable policy we found, with rates sometimes as cheap as $19 a month.

Want something more accurate than national averages? Enter your ZIP code below to get a variety of customized quotes for free.

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2018 Audi S3 Car Insurance

On average, drivers who own a 2018 Audi S3 can expect to pay $55 to $198 per month for liability only and full coverage car insurance, respectively.

With prices sometimes as little as $36 a month, Mercury offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2018 Audi S3, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2017 Audi S3 Car Insurance

2017 S3 drivers can expect to pay an average of $113 monthly for liability or $248 for full coverage.

Looking for the cheapest policy? SafeAuto offered liability only coverage for as low as $31 per month.

If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.

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2016 Audi S3 Car Insurance

The average cost to insure a 2016 Audi S3 with liability only coverage is $144 a month, while full coverage runs about $228 monthly.

With premiums as low as just $31 per month, Mercury offered the most affordable policy we found for the 2016 Audi S3.

If you want to find the best prices for auto insurance for a 2016 Audi S3, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2015 Audi S3 Car Insurance

It costs around $77 a month for liability or $180 for a full coverage policy for the 2015 S3.

We found Safeco offered the cheapest policy, with rates as little as just $24 monthly.

Want to know exactly how much you'll pay? Get lots of customized quotes for free by just entering your ZIP code below.

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Audi S3 Insurance FAQs

Is an Audi S3 expensive to insure?

Compared to the national average of all cars, premiums come in on the more expensive end of the spectrum. Liability insurance runs an average of $93 per month, while full coverage will cost you around $205.

How can I get the best price on car insurance for my Audi S3?

The only way to make sure you're getting the lowest price on insurance is to regularly shop around and compare quotes from a lot of carriers. 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 multiple companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi S3 affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car than cars of other colors, but that's actually not the case. Even though there are multiple factors car insurance carriers look at when they offer rates, your car's color is not on that list.

Do I need to have insurance before I buy an Audi S3?

You'll need to have valid auto insurance for your S3 before you can legally drive your it off the dealership lot. Some dealerships will offer you one during the purchase process, but it's best to let your insurance company know beforehand.

What car insurance discounts can I get for my Audi S3?

You will find tons of discounts out there for car insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are more based on you than the Audi S3 you drive, but if your S3 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. The only way to find out is to get in touch with your insurance carrier and ask about their list of discounts, since they change quite a bit from company to company.