Estimates, not quotes

Audi S3 vs Polestar 2 Insurance Cost

The Polestar 2 is cheaper to insure by about $75 a year for full coverage by our estimate ($1,520 vs. $1,445), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageAudi S3Polestar 2Difference
State minimum$485$490−$5
Standard (100/300/100)$705$710−$5
Full coverage$1,520$1,445+$75

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = S3 minus 2.

Why one costs more to insure

FactorAudi S3Polestar 2
SegmentLuxury carLuxury car
PowertrainsGasoline, HybridElectric
HLDI collision (100 = avg)122119
HLDI comprehensive9590
HLDI property damage liability6780
HLDI bodily injury liability—60
NHTSA overall rating—5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)06

Collision losses are the biggest swing factor: the Audi S3 has 3 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

S3 vs 2 insurance by state

StateS32Difference
Alabama$1,355$1,280+$75
Alaska$1,350$1,280+$70
Arizona$1,580$1,505+$75
Arkansas$1,390$1,305+$85
California$1,540$1,460+$80
Colorado$1,725$1,630+$95
Connecticut$1,590$1,520+$70
Delaware$1,635$1,570+$65
District of Columbia$1,945$1,845+$100
Florida$2,055$1,985+$70
Georgia$1,820$1,745+$75
Hawaii$1,080$1,025+$55
Idaho$1,040$985+$55
Illinois$1,340$1,270+$70
Indiana$1,100$1,040+$60
Iowa$1,070$1,000+$70
Kansas$1,245$1,170+$75
Kentucky$1,270$1,210+$60
Louisiana$2,080$1,985+$95
Maine$990$935+$55
Maryland$1,690$1,615+$75
Massachusetts$1,510$1,435+$75
Michigan$1,680$1,595+$85
Minnesota$1,290$1,215+$75
Mississippi$1,475$1,395+$80
Missouri$1,395$1,320+$75
Montana$1,250$1,170+$80
Nebraska$1,250$1,175+$75
Nevada$1,660$1,605+$55
New Hampshire$1,110$1,050+$60
New Jersey$1,770$1,705+$65
New Mexico$1,380$1,305+$75
New York$1,985$1,900+$85
North Carolina$1,185$1,115+$70
North Dakota$1,025$955+$70
Ohio$1,105$1,045+$60
Oklahoma$1,405$1,320+$85
Oregon$1,325$1,270+$55
Pennsylvania$1,365$1,285+$80
Rhode Island$1,800$1,725+$75
South Carolina$1,575$1,510+$65
South Dakota$1,215$1,130+$85
Tennessee$1,295$1,225+$70
Texas$1,825$1,720+$105
Utah$1,345$1,290+$55
Vermont$1,035$975+$60
Virginia$1,310$1,245+$65
Washington$1,295$1,240+$55
West Virginia$1,305$1,225+$80
Wisconsin$1,060$1,000+$60
Wyoming$1,245$1,155+$90

By driver profile (full coverage)

DriverS32
Teen driver (18, own policy)$4,185$3,980
Young adult (22)$2,435$2,315
Adult in their 30s$1,520$1,445
Adult in their 50s$1,400$1,330
Senior (72)$1,705$1,620
30s, one at-fault accident$2,205$2,100
30s, DUI on record$2,815$2,675

More comparisons

Frequently asked questions

Is the Audi S3 or the Polestar 2 cheaper to insure?

By our estimate the Polestar 2 is cheaper, by about $75 a year for full coverage ($1,520 vs. $1,445) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Audi S3 and Polestar 2?

Mostly because of insurance-loss history: HLDI collision indices of 122 vs. 119 and comprehensive indices of 95 vs. 90 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page