Key Takeaway
Being a compact luxury sedan, the Audi A3 tends to have higher insurance rates compared to non-luxury vehicles. Its premium brand status, expensive spare parts, and repair costs play a major role in this. Still, your actual insurance cost can vary based on factors like model year, location, driving record, and more. Let’s break down the Audi A3 auto insurance rates to help you find the best deal.
The average annual Audi A3 auto insurance cost is $1,872. Even though this is the average rate, the annual insurance cost changes based on location, driving experience, driving record, and age, so always check and compare the insurance companies to find the best premium that suits your needs.
Yes, the Audi A3 is quite expensive to insure. That's mainly because it's a luxury brand, and luxury cars usually come with higher insurance costs. The cost of spare parts is also on the higher side, which adds to it. So, if you're planning to get an Audi A3, just know that you'll have to set aside a little extra for the insurance. You can also compare the cost with various car make and model insurance rates.
Insurance companies determine the user's insurance premium by weighing driving and non-driving factors. As a result, it varies depending on the driver, the model, and the make of the car. Also, driving experience, age, and place of registration are the other factors that outline the car insurance rates of the Audi A3.
Vermont Mutual comes first on the list by offering the cheapest auto insurance rate for the 2020 Audi A3 at $1,261. On the other hand, 21st Century stands as the most expensive one, costing $1,665 annually.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Vermont Mutual | $1,261 |
| Nationwide | $1,263 |
| Tennessee Farmers | $1,317 |
| Erie | $1,442 |
| American Family | $1,445 |
| Mercury | $1,499 |
| State Farm | $1,529 |
| Country | $1,595 |
| Southern Farm Bureau | $1,648 |
| Plymouth Rock Insurance | $1,651 |
| USAA | $1,659 |
| 21st Century | $1,665 |
Nationwide is the best option if you are looking for a cheaper Audi A3 auto insurance cost for the 2019 model, where their premium starts from $1,229. South Farm Bureau offers the most expensive insurance at $1,681.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Nationwide | $1,229 |
| Cincinnati Insurance | $1,252 |
| Erie | $1,275 |
| Auto Owners | $1,347 |
| American Family | $1,422 |
| Mercury | $1,463 |
| USAA | $1,550 |
| Plymouth Rock Insurance | $1,551 |
| Country | $1,559 |
| Acuity | $1,646 |
| State Farm | $1,648 |
| Southern Farm Bureau | $1,681 |
If you are looking for an affordable Audi A3 car insurance rate for the 2018 model, Progressive and Erie stand out as the top choices, both starting at $1,064. However, Country has the highest insurance cost at $1,589.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Progressive | $1,064 |
| Erie | $1,064 |
| Plymouth Rock Insurance | $1,157 |
| USAA | $1,213 |
| State Farm | $1,240 |
| Tennessee Farmers | $1,254 |
| Nationwide | $1,259 |
| Mercury | $1,331 |
| Acuity | $1,419 |
| Vermont Mutual | $1,484 |
| Country | $1,589 |
Progressive is the best option if you're looking for cheaper Audi A3 auto insurance for the 2017 model, with premiums starting at $843. Meanwhile, Vermont Mutual offers the most expensive insurance at $1,420.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Progressive | $843 |
| Erie | $864 |
| State Farm | $1,021 |
| USAA | $1,034 |
| Texas Farm Bureau | $1,094 |
| Plymouth Rock Insurance | $1,131 |
| Nationwide | $1,146 |
| Tennessee Farmers | $1,227 |
| Mercury | $1,294 |
| Acuity | $1,409 |
| Vermont Mutual | $1,420 |
Comparing the 2016 Audi A3 car insurance costs, Erie comes first on the list with an annual premium rate of $722. While the average annual insurance cost of this model is $1,557, Country has the costliest premium of $1,435.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Erie | $722 |
| Texas Farm Bureau | $1,018 |
| Nationwide | $1,097 |
| Vermont Mutual | $1,167 |
| Tennessee Farmers | $1,212 |
| Plymouth Rock Insurance | $1,262 |
| American Family | $1,324 |
| USAA | $1,346 |
| Mercury | $1,380 |
| State Farm | $1,429 |
| Country | $1,435 |
Erie provides the lowest Audi A3 insurance rate for the 2015 model, starting at just $717. In contrast, Mercury has the highest annual premium at $1,253.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Erie | $717 |
| Progressive | $771 |
| State Farm | $851 |
| USAA | $854 |
| Texas Farm Bureau | $997 |
| Plymouth Rock Insurance | $1,060 |
| Nationwide | $1,083 |
| Tennessee Farmers | $1,190 |
| Vermont Mutual | $1,201 |
| Acuity | $1,231 |
| Mercury | $1,253 |
Erie offers the most affordable insurance rate for the 2013 Audi A3, with an annual premium of $655. On the higher end, Country charges the most at $1,140 per year.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Erie | $655 |
| USAA | $760 |
| Texas Farm Bureau | $815 |
| State Farm | $827 |
| Progressive | $905 |
| Vermont Mutual | $955 |
| Plymouth Rock Insurance | $966 |
| Tennessee Farmers | $1,005 |
| Acuity | $1,018 |
| American Family | $1,018 |
| Country | $1,140 |
The average annual car insurance cost of a 2012 Audi A3 is $868. Furthermore, Erie offers the cheapest premium at $591, and Country is the most expensive insurance company that charges $1,049 annually.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Erie | $591 |
| State Farm | $644 |
| USAA | $678 |
| Progressive | $781 |
| Texas Farm Bureau | $786 |
| Vermont Mutual | $889 |
| American Family | $893 |
| Plymouth Rock Insurance | $934 |
| Tennessee Farmers | $947 |
| Acuity | $950 |
| Country | $1,049 |
Erie has the cheapest insurance rate for the 2011 Audi A3, with an annual cost of $571. Arbella, on the other hand, offers the highest premium at $1,033.
| Insurance Company | Annual Insurance Rate |
|---|---|
| Erie | $571 |
| USAA | $654 |
| State Farm | $724 |
| Progressive | $755 |
| Texas Farm Bureau | $777 |
| American Family | $829 |
| Vermont Mutual | $836 |
| Plymouth Rock Insurance | $912 |
| Tennessee Farmers | $922 |
| Country | $996 |
| Arbella | $1,033 |
Most drivers don't realize that safety features can help lower Audi A3 auto insurance premiums and play an important role in protecting passengers during accidents. The Audi A3 comes equipped with several safety features, including:
While fixing the Audi A3 auto insurance quote, insurance companies consider its safety ratings. So, the better the ratings, the lower the insurance rate will be. Let's take a look at the Audi A3 safety ratings:
| Test Category | Rating |
|---|---|
| Small overlap front | G (Good) |
| Moderate overlap front (original test) | G (Good) |
| Headlights | G (Good) |
| Front crash prevention - pedestrian (standard system) | M (Marginal) |
| Seat belt reminders | P (Poor) |
| LATCH (child seat anchors) ease of use | G (Good) |
Drive safely: Rash and careless driving can often stay on your record. Insurance companies will demand a higher premium if you have a history of at-fault accidents.
Improve your credit score: Applicants with excellent credit scores (more than 700) can save as much as $250 or more annually compared to those with lower credit scores.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Audi A3.
Ask for relevant discounts: Ask for loyalty discounts, senior citizen discounts, military veteran discounts, and more to reduce your annual premiums as much as possible.
Bundle insurance policies: You can save even more by bundling auto and home insurance policies.
Download the Way app. It's as simple as that, and you can get the cheapest Audi A3 car insurance within seconds. Just answer a few easy questions and explore quotes from over 200 top insurance companies through Way.com. You can also find the best possible discounts by simply asking about savings while comparing the providers.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Yes, Audi A3 car insurance costs are generally expensive to insure because it's a luxury car.
For an Audi A3, the average yearly insurance premium is $1,872.
The cost of an Audi A3 ranges between $38,200 and $42,100.
During its first ten years of use, an Audi A3 will require maintenance and repairs, costing roughly $9,047.
Due to its direct-injection technology and turbocharged engines, Audi vehicles come with a design for use with premium fuel; if you fill them up with standard petrol instead of premium, you risk harming your Audi.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 150+ carriers in seconds
