Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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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 S3? 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 S3 insurance facts

  • Average full coverage auto insurance premium: $186/month

  • Most affordable companies: Auto-Owners ($136/month) & Progressive ($141/month)

  • S3 car insurance cost vs. average rate: $18 more expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Audi S3 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 S3 insurer costs by state:

Risk factors affecting Audi S3 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 S3 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 car insurance 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 S3 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 S3’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 insurance 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 auto insurance 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 S3

Cheapest Insurance CompaniesAverage Annual Cost
Allied$2573
Allstate$2369
American Family$2168
Amica$2619
Arbella$2216
Auto-Owners$1635
Erie$1825
GEICO$1925
Liberty Mutual$2134
Mercury$2340
MetLife$2510
Nationwide$2016
Progressive$1681
Safe Auto$2488
State Farm$2087
Tennessee Farmers$2287
Travelers$2416
USAA$1764

Compare all 2021 Audi S3 rates

Average Cost to Insure Per Year

$2243

List Price

$43995

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige - with 2.0-liter four-cylinder turbocharged TFSI engine with 288 hp with 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 S3

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2112
American Family$2046
Auto-Owners$1553
Erie$1680
GEICO$1735
Liberty Mutual$2005
Mercury$2084
MetLife$2303
Nationwide$1800
Progressive$1590
Safe Auto$2219
State Farm$1837
Tennessee Farmers$2049
Travelers$2118
USAA$1613
Vermont Mutual$2240

Compare all 2020 Audi S3 rates

Average Cost to Insure Per Year

$2159

List Price

$43000

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige - with 2.0-liter four-cylinder turbocharged TFSI engine with 288 hp with 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 S3

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$2154
American Family$1936
Auto-Owners$1523
Erie$1690
GEICO$1732
Liberty Mutual$1930
Mercury$2035
MetLife$2290
Nationwide$1759
Progressive$1638
Safe Auto$2214
State Farm$1813
Tennessee Farmers$1958
Travelers$2160
USAA$1640
Vermont Mutual$2237

Compare all 2019 Audi S3 rates

Average Cost to Insure Per Year

$2156

List Price

$43000

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige - with 2.0-liter four-cylinder turbocharged TFSI engine with 288 hp with 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 S3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1882
Acuity$ 1882
Allied$ 1505
Allied$ 1505
American Family$ 1865
American Family$ 1865
Country$ 2001
Country$ 2001
Erie$ 1410
Erie$ 1410
Mercury$ 1449
Mercury$ 1449
Nationwide$ 1613
Nationwide$ 1613
Plymouth Rock Insurance$ 1578
Plymouth Rock Insurance$ 1578
Progressive$ 1745
Progressive$ 1745
State Farm$ 1594
State Farm$ 1594
Tennessee Farmers$ 1495
Tennessee Farmers$ 1495
USAA$ 1814
USAA$ 1814

Compare all 2018 Audi S3 rates

Average Cost to Insure Per Year

$ 2113

List Price

$ 43650

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige

2017 Audi S3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1805
Acuity$ 1805
Allied$ 1528
Allied$ 1528
Erie$ 1355
Erie$ 1355
Mercury$ 1412
Mercury$ 1412
Nationwide$ 1631
Nationwide$ 1631
Plymouth Rock Insurance$ 1526
Plymouth Rock Insurance$ 1526
Progressive$ 1802
Progressive$ 1802
State Farm$ 1536
State Farm$ 1536
Tennessee Farmers$ 1494
Tennessee Farmers$ 1494
Texas Farm Bureau$ 1241
Texas Farm Bureau$ 1241
USAA$ 1750
USAA$ 1750
Vermont Mutual$ 1856
Vermont Mutual$ 1856

Compare all 2017 Audi S3 rates

Average Cost to Insure Per Year

$ 1696

List Price

$ 42900

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige

2016 Audi S3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1719
Acuity$ 1719
Allied$ 1581
Allied$ 1581
American Family$ 1727
American Family$ 1727
Erie$ 1337
Erie$ 1337
Mercury$ 1392
Mercury$ 1392
Nationwide$ 1678
Nationwide$ 1678
Plymouth Rock Insurance$ 1476
Plymouth Rock Insurance$ 1476
State Farm$ 1724
State Farm$ 1724
Tennessee Farmers$ 1493
Tennessee Farmers$ 1493
Texas Farm Bureau$ 1205
Texas Farm Bureau$ 1205
USAA$ 1573
USAA$ 1573
Vermont Mutual$ 1752
Vermont Mutual$ 1752

Compare all 2016 Audi S3 rates

Average Cost to Insure Per Year

$ 1651

List Price

$ 42500

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige

2015 Audi S3

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1383
Acuity$ 1383
Allied$ 1589
Allied$ 1589
Country$ 1550
Country$ 1550
Erie$ 1247
Erie$ 1247
GEICO$ 1533
GEICO$ 1533
Mercury$ 1372
Mercury$ 1372
Plymouth Rock Insurance$ 1166
Plymouth Rock Insurance$ 1166
State Farm$ 1533
State Farm$ 1533
Tennessee Farmers$ 1395
Tennessee Farmers$ 1395
Texas Farm Bureau$ 1106
Texas Farm Bureau$ 1106
USAA$ 1442
USAA$ 1442
Vermont Mutual$ 1359
Vermont Mutual$ 1359

Compare all 2015 Audi S3 rates

Average Cost to Insure Per Year

$ 1479

List Price

$ 41100

Trims Available

2.0T quattro Premium Plus - 2.0T quattro Prestige