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Key Takeaway
- The average annual insurance cost for the Audi A3 is $1,872, but rates vary by model year, location, and driving history.
- Erie and Progressive consistently offer the cheapest rates across multiple Audi A3 model years.
- Luxury status and high repair costs make the Audi A3 more expensive to insure, but safety features and discounts can help reduce premiums.
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.
Audi A3 Auto Insurance Cost
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.
Are Audi A3 Models Expensive to Insure?
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.
What Impacts the Cost of Audi A3 Car Insurance?
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.
Cheapest Companies Based on Audi A3 Model Years
2020 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 |
2019 Audi A3
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 |
2018 Audi A3
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 |
2017 Audi A3
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 |
2016 Audi A3
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 |
2015 Audi A3
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 |
2013 Audi A3
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 |
2012 Audi A3
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 |
2011 Audi A3
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 |
Audi A3 Safety Features
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:
- Audi Pre Sense Front
- Rearview Camera
- Electronic Stability Control (ESC)
- Anti-lock Braking System (ABS)
- Front, Side, Knee, and Curtain Airbags
- Tire Pressure Monitoring System (TPMS)
- Rain-Sensing Wipers
- Blind-Spot Monitoring (Audi Side Assist)
- Rear Cross Traffic Alert
- Parking Sensors (Front and Rear)
- Adaptive Cruise Control
- Lane Departure Warning
- High-Beam Assist
- Traffic Sign Recognition
Audi A3 Safety Ratings
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) |
Ways to Save on Audi A3 Car Insurance
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.
How Do I Find the Best Audi A3 Car Insurance Rates?
- It could be tempting to choose a provider that offers a low Audi A3 car insurance quote. However, it's always better to apply for multiple free insurance quotes from as many companies as possible! You can either apply individually or use an insurance platform like Way.com.
- Compare, compare, compare - that should be your mantra when searching for the best policy. Only choose a provider who offers a balance of low rates and comprehensive coverage.
- In only a few minutes, an insurance aggregator like Way.com can help you find the lowest insurance rates you've qualified for with your financial position.
- The cheapest rates don't always mean the best! You can always consider spending a bit more to get comprehensive coverage.
How to Get Audi A3 Car Insurance with Way
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.
INSURANCE AGENT EXPERTS
Auto Insurance Data Methodology
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
DATA SOURCES
Way.com’s Insurance Broker Quote Data
FAQ
Are Audi A3s expensive to insure?
Yes, Audi A3 car insurance costs are generally expensive to insure because it's a luxury car.
How much is the insurance for the Audi A3?
For an Audi A3, the average yearly insurance premium is $1,872.
How much is an Audi A3?
The cost of an Audi A3 ranges between $38,200 and $42,100.
Are Audi A3s expensive to maintain?
During its first ten years of use, an Audi A3 will require maintenance and repairs, costing roughly $9,047.
Does the Audi A3 require premium gas?
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.
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