Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Audi A3? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Audi A3 insurance facts

  • Average full coverage auto insurance premium: $145/month

  • Most affordable companies: Auto-Owners ($109/month) & Progressive ($113/month)

  • A3 car insurance cost vs. average rate: $15 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi A3 by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Audi A3 insurer costs by state:

Risk factors affecting Audi A3 car insurance rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your car insurance premium. Your own personal driving history, age, marital status, credit scoretype of vehicle, coverage levels, and other personal factors are also important components of your rate.

How to save money on Audi A3 car insurance?

Many driver discounts are available to people through most major auto insurance companies, such as

  • Student discounts

  • Safe drivers

  • Senior discounts

With all Audi models, you can get the following discounts:

  • Passive restraint systems

  • Anti-lock brakes

  • Anti-theft devices

Audi Luxury Automobile Brand

Audi is a German automobile manufacturer owned by Volkswagen Group, producing luxury vehicles for the United States market. The target market of Audi is the affluent class of modern urban consumers. All of Audi’s automobiles have high safety ratings, with many of their vehicles getting “Top Safety Pick” and 5-star safety and crash test ratings from the National Highway Traffic Safety Administration (NHTSA). The Q5, A3, A6, and the Q7 are their most popular vehicles.

Higher than average A3 repair costs equal higher coverage rates

Audi is a luxury brand in the United States market. Many consumers are attracted to the Audi luxury, comfort, safety, and driver-assist technologies, like Audi’s Pre-Sense Systems. Automotive parts are not as common as popular vehicles, like the Toyota or Honda. Repairing an Audi is higher than average since repair parts are more expensive and not as available as popular vehicles. For this reason, many Audi’s are going to have higher than average car insurance rates to similar vehicles in its class.

Rapid depreciation for Audi A3’s affecting auto policies

Another factor to consider for Audi’s, is they depreciate rapidly, affecting auto insurance rates. As your vehicle’s value goes down each year, your auto policy could go down at each renewal. On the other hand, in an auto accident, you need repair parts that rarely go down in price for all Audi models. This could put you in a difficult situation position since many car insurance companies will subtract depreciation from the amount paid for your claim resulting in a situation where your claim payout doesn’t fully cover your repair cost.

High IIHS and NHTSA safety ratings lower car insurance rates for drivers

Audi’s are known for their safety ratings, safety features, 5-star crash test ratings, and driver-assist technologies (semiautonomous driving), lowering coverage rates for drivers with a good driving record, sometimes getting 20% driver discounts for passive restraints and safety features in Audi models. The A3, A6, and Q3 are Insurance Institute for Highway Safety (IIHS) “Top Safety Picks,” and the NHTSA consistently gives Audi top safety ratings each year, lowering your car insurance costs.

AutoInsureSavings.org licensed car insurance agents to recommend comprehensive and collision coverage, uninsured motorist coverage, and roadside assistance for new Audi automobile owners when buying a car insurance policy.

2021 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2520
Allstate$2034
American Family$1842
Amica$2647
Arbella$1905
Auto-Owners$1315
Erie$1390
GEICO$1451
Liberty Mutual$1655
Mercury$1937
MetLife$2419
Nationwide$1479
Progressive$1360
Safe Auto$2203
State Farm$1547
Tennessee Farmers$1911
Travelers$2083
USAA$1368

Compare all 2021 Audi A3 rates

Average Cost to Insure Per Year

$1749

List Price

$34295

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige with 2.0-liter four-cylinder - Seven-speed S tronic dual-clutch automatic transmission and front-wheel drive and safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2020 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1999
American Family$1789
Auto-Owners$1253
Erie$1354
GEICO$1406
Liberty Mutual$1630
Mercury$1865
MetLife$2416
Nationwide$1465
Progressive$1314
Safe Auto$2186
State Farm$1528
Tennessee Farmers$1826
Travelers$2030
USAA$1320
Vermont Mutual$2297

Compare all 2020 Audi A3 rates

Average Cost to Insure Per Year

$1690

List Price

$33300

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige with 2.0-liter four-cylinder - Seven-speed S tronic dual-clutch automatic transmission and front-wheel drive and safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2019 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1953
American Family$1735
Auto-Owners$1216
Erie$1315
GEICO$1390
Liberty Mutual$1628
Mercury$1831
MetLife$2348
Nationwide$1459
Progressive$1280
Safe Auto$2158
State Farm$1512
Tennessee Farmers$1757
Travelers$2016
USAA$1306
Vermont Mutual$2240

Compare all 2019 Audi A3 rates

Average Cost to Insure Per Year

$1628

List Price

$32500

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige with 2.0-liter four-cylinder - Seven-speed S tronic dual-clutch automatic transmission and front-wheel drive and safety features - Electronic Stability Control (ESC) with secondary collision brake assist and traction control (ASR) - Audi pre sense front with pedestrian protection - Driver and front-passenger advanced airbags - with Bluetooth wireless technology preparation with streaming audio for compatible devices

2018 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1491
Acuity$ 1491
Allied$ 1373
Allied$ 1373
Erie$ 1136
Erie$ 1136
GEICO$ 1292
GEICO$ 1292
Mercury$ 1403
Mercury$ 1403
Nationwide$ 1331
Nationwide$ 1331
Plymouth Rock Insurance$ 1229
Plymouth Rock Insurance$ 1229
Progressive$ 1136
Progressive$ 1136
State Farm$ 1312
State Farm$ 1312
Tennessee Farmers$ 1326
Tennessee Farmers$ 1326
USAA$ 1285
USAA$ 1285
Vermont Mutual$ 1556
Vermont Mutual$ 1556

Compare all 2018 Audi A3 rates

Average Cost to Insure Per Year

$ 1574

List Price

$ 31950

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige

2017 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1481
Acuity$ 1481
Allied$ 1388
Allied$ 1388
Erie$ 936
Erie$ 936
GEICO$ 946
GEICO$ 946
Mercury$ 1366
Mercury$ 1366
Nationwide$ 1218
Nationwide$ 1218
Plymouth Rock Insurance$ 1203
Plymouth Rock Insurance$ 1203
Progressive$ 915
Progressive$ 915
State Farm$ 1093
State Farm$ 1093
Tennessee Farmers$ 1299
Tennessee Farmers$ 1299
Texas Farm Bureau$ 1166
Texas Farm Bureau$ 1166
USAA$ 1106
USAA$ 1106

Compare all 2017 Audi A3 rates

Average Cost to Insure Per Year

$ 1312

List Price

$ 31200

Trims Available

2.0T Premium - 2.0T quattro Premium - 2.0T Premium Plus - 2.0T quattro Premium Plus - 2.0T Prestige - 2.0T quattro Prestige

2016 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 1325
American Family$ 1325
Erie$ 806
Erie$ 806
GEICO$ 775
GEICO$ 775
Mercury$ 1327
Mercury$ 1327
Nationwide$ 1119
Nationwide$ 1119
Plymouth Rock Insurance$ 1166
Plymouth Rock Insurance$ 1166
Progressive$ 812
Progressive$ 812
State Farm$ 984
State Farm$ 984
Tennessee Farmers$ 1190
Tennessee Farmers$ 1190
Texas Farm Bureau$ 1090
Texas Farm Bureau$ 1090
USAA$ 961
USAA$ 961
Vermont Mutual$ 1367
Vermont Mutual$ 1367

Compare all 2016 Audi A3 rates

Average Cost to Insure Per Year

$ 1142

List Price

$ 30900

Trims Available

1.8T Premium - 2.0 Premium TDI - 1.8T Premium Plus - 2.0T quattro Premium - 2.0 Premium Plus TDI - 2.0T quattro Premium Plus - 1.8T Prestige - 2.0 Prestige TDI - 2.0T quattro Prestige

2015 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1303
Acuity$ 1303
Erie$ 789
Erie$ 789
GEICO$ 741
GEICO$ 741
Mercury$ 1325
Mercury$ 1325
Nationwide$ 1155
Nationwide$ 1155
Plymouth Rock Insurance$ 1132
Plymouth Rock Insurance$ 1132
Progressive$ 843
Progressive$ 843
State Farm$ 923
State Farm$ 923
Tennessee Farmers$ 1262
Tennessee Farmers$ 1262
Texas Farm Bureau$ 1069
Texas Farm Bureau$ 1069
USAA$ 926
USAA$ 926
Vermont Mutual$ 1273
Vermont Mutual$ 1273

Compare all 2015 Audi A3 rates

Average Cost to Insure Per Year

$ 1121

List Price

$ 29900

Trims Available

1.8T Premium - 1.8T Premium Plus - 2.0 Premium TDI - 2.0T quattro Premium - 2.0 Premium Plus TDI - 2.0T quattro Premium Plus - 1.8T Prestige - 2.0 Prestige TDI - 2.0T quattro Prestige

2013 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1090
Acuity$ 1090
Allied$ 1211
Allied$ 1211
American Family$ 1090
American Family$ 1090
Erie$ 727
Erie$ 727
GEICO$ 629
GEICO$ 629
Plymouth Rock Insurance$ 1038
Plymouth Rock Insurance$ 1038
Progressive$ 977
Progressive$ 977
State Farm$ 899
State Farm$ 899
Tennessee Farmers$ 1077
Tennessee Farmers$ 1077
Texas Farm Bureau$ 887
Texas Farm Bureau$ 887
USAA$ 832
USAA$ 832
Vermont Mutual$ 1027
Vermont Mutual$ 1027

Compare all 2013 Audi A3 rates

Average Cost to Insure Per Year

$ 1047

List Price

$ 27270

Trims Available

2.0T Premium - 2.0T Premium Plus - 2.0 TDI Premium - 2.0T quattro Premium - 2.0 TDI Premium Plus - 2.0T quattro Premium Plus

2012 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1022
Acuity$ 1022
Allied$ 1103
Allied$ 1103
American Family$ 965
American Family$ 965
Erie$ 663
Erie$ 663
GEICO$ 560
GEICO$ 560
Plymouth Rock Insurance$ 1006
Plymouth Rock Insurance$ 1006
Progressive$ 853
Progressive$ 853
State Farm$ 716
State Farm$ 716
Tennessee Farmers$ 1019
Tennessee Farmers$ 1019
Texas Farm Bureau$ 858
Texas Farm Bureau$ 858
USAA$ 750
USAA$ 750
Vermont Mutual$ 961
Vermont Mutual$ 961

Compare all 2012 Audi A3 rates

Average Cost to Insure Per Year

$ 940

List Price

$ 27270

Trims Available

2.0T Premium - 2.0T Premium PZEV - 2.0T Premium Plus - 2.0T Premium Plus PZEV - 2.0 TDI Premium - 2.0T quattro Premium - 2.0 TDI Premium Plus - 2.0T quattro Premium Plus

2011 Audi A3

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 901
American Family$ 901
Arbella$ 1105
Arbella$ 1105
Country$ 1068
Country$ 1068
Erie$ 643
Erie$ 643
GEICO$ 543
GEICO$ 543
Plymouth Rock Insurance$ 984
Plymouth Rock Insurance$ 984
Progressive$ 827
Progressive$ 827
State Farm$ 796
State Farm$ 796
Tennessee Farmers$ 994
Tennessee Farmers$ 994
Texas Farm Bureau$ 849
Texas Farm Bureau$ 849
USAA$ 726
USAA$ 726
Vermont Mutual$ 908
Vermont Mutual$ 908

Compare all 2011 Audi A3 rates

Average Cost to Insure Per Year

$ 933

List Price

$ 27270

Trims Available

2.0T Premium - 2.0T Premium PZEV - 2.0T Premium Plus - 2.0T Premium Plus PZEV - 2.0 TDI Premium - 2.0T quattro Premium - 2.0 TDI Premium Plus - 2.0T quattro Premium Plus