Audi A3 Insurance Cost

Full coverage for a Audi A3 costs about $1,615 a year ($135/month) by our estimate — ▲ +2% versus the average vehicle, ranking 149th cheapest of 310 current models.

Audi A3 exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

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

Audi A3 insurance cost at a glance

Full coverage

$1,615

$135/mo · $1,325–$1,910

Minimum liability

$595

$50/mo

Segment

Luxury car

Gasoline, Hybrid, Plug-in hybrid, Diesel

HLDI collision losses

118

Worse than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2006–2027 model years of the Audi A3.

Estimated Audi A3 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$595	$50	$485–$700
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$860	$72	$705–$1,015
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,615	$135	$1,325–$1,910

What drives the cost of insuring a Audi A3

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Audi A3's results put our vehicle factor at 0.97× for liability, 1.21× for collision and 0.81× for comprehensive.

HLDI relative insurance losses — Audi A3 4dr (Midsize Luxury cars)
Coverage	Index	Rating	What it measures
Collision	118	Worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	73	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	96	Average	Damage this car does to other vehicles and property
Personal injury protection	97	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Audi A3 4dr	118	73	96	—
Audi A3 4dr 4WD	111	76	84	—

Repair and parts costs: Luxury car from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 0 NHTSA recall campaigns and 5 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi A3 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
A3 quattro	AWD	2.0L 4-cyl Turbo	28

Audi A3 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo	AWD	28	$1,615
2026	2.0L 4-cyl Turbo	AWD	28	$1,585
2025	2.0L 4-cyl Turbo	AWD	28	$1,550
2024	2.0L 4-cyl Turbo Hybrid	4WD, FWD	30–32	$1,515
2023	2.0L 4-cyl Turbo Hybrid	AWD, FWD	30–32	$1,480
2022	2.0L 4-cyl Turbo Hybrid	AWD, FWD	31–32	$1,445
2020	2.0L 4-cyl Turbo	AWD, FWD	25–30	$1,380
2019	2.0L 4-cyl Turbo	AWD, FWD	25–29	$1,345
2018	1.4L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo	AWD, FWD	25–36	$1,310
2017	1.4L 4-cyl Turbo Plug-in Hybrid, 2.0L 4-cyl Turbo	AWD, FWD	25–34	$1,275
2016	1.4L 4-cyl Turbo Plug-in Hybrid, 1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo	AWD, FWD	26–39	$1,245
2015	1.8L 4-cyl Turbo, 2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel	AWD, FWD	26–35	$1,240
2013	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel	AWD, FWD	24–32	$1,240
2012	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel	AWD, FWD	24–32	$1,240
2011	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel	AWD, FWD	24–32	$1,240
2010	2.0L 4-cyl Turbo, 2.0L 4-cyl Turbo Diesel	AWD, FWD	24–32	$1,240
2009	2.0L 4-cyl Turbo, 3.2L 6-cyl	4WD/AWD, FWD	21–24	$1,240
2008	2.0L 4-cyl Turbo, 3.2L 6-cyl	4WD/AWD, FWD	21–25	$1,240
2007	2.0L 4-cyl Turbo, 3.2L 6-cyl	4WD/AWD, FWD	21–25	$1,240
2006	2.0L 4-cyl Turbo, 3.2L 6-cyl	4WD/AWD, FWD	21–25	$1,240

Audi A3 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the A3 page for that state.

State	Full coverage	Minimum	vs. national	A3 page
Alabama	$1,415	$465	−12%	A3 in AL
Alaska	$1,430	$605	−11%	A3 in AK
Arizona	$1,680	$640	+4%	A3 in AZ
Arkansas	$1,430	$435	−11%	A3 in AR
California	$1,630	$555	+1%	A3 in CA
Colorado	$1,795	$630	+11%	A3 in CO
Connecticut	$1,720	$690	+7%	A3 in CT
Delaware	$1,785	$775	+11%	A3 in DE
District of Columbia	$2,060	$720	+28%	A3 in DC
Florida	$2,270	$1,045	+41%	A3 in FL
Georgia	$1,980	$845	+23%	A3 in GA
Hawaii	$1,145	$420	−29%	A3 in HI
Idaho	$1,100	$390	−32%	A3 in ID
Illinois	$1,410	$480	−13%	A3 in IL
Indiana	$1,155	$390	−28%	A3 in IN
Iowa	$1,085	$300	−33%	A3 in IA
Kansas	$1,270	$390	−21%	A3 in KS
Kentucky	$1,350	$510	−16%	A3 in KY
Louisiana	$2,220	$765	+37%	A3 in LA
Maine	$1,040	$410	−36%	A3 in ME
Maryland	$1,815	$730	+12%	A3 in MD
Massachusetts	$1,610	$575	0%	A3 in MA
Michigan	$1,780	$740	+10%	A3 in MI
Minnesota	$1,330	$455	−18%	A3 in MN
Mississippi	$1,535	$515	−5%	A3 in MS
Missouri	$1,455	$495	−10%	A3 in MO
Montana	$1,265	$380	−22%	A3 in MT
Nebraska	$1,275	$390	−21%	A3 in NE
Nevada	$1,840	$840	+14%	A3 in NV
New Hampshire	$1,165	$390	−28%	A3 in NH
New Jersey	$1,940	$905	+20%	A3 in NJ
New Mexico	$1,445	$505	−11%	A3 in NM
New York	$2,155	$900	+33%	A3 in NY
North Carolina	$1,225	$435	−24%	A3 in NC
North Dakota	$1,025	$265	−37%	A3 in ND
Ohio	$1,160	$390	−28%	A3 in OH
Oklahoma	$1,445	$455	−11%	A3 in OK
Oregon	$1,440	$605	−11%	A3 in OR
Pennsylvania	$1,425	$410	−12%	A3 in PA
Rhode Island	$1,955	$795	+21%	A3 in RI
South Carolina	$1,700	$710	+5%	A3 in SC
South Dakota	$1,195	$305	−26%	A3 in SD
Tennessee	$1,355	$435	−16%	A3 in TN
Texas	$1,900	$670	+18%	A3 in TX
Utah	$1,460	$630	−10%	A3 in UT
Vermont	$1,070	$310	−34%	A3 in VT
Virginia	$1,390	$605	−14%	A3 in VA
Washington	$1,405	$570	−13%	A3 in WA
West Virginia	$1,345	$420	−17%	A3 in WV
Wisconsin	$1,095	$360	−32%	A3 in WI
Wyoming	$1,230	$315	−24%	A3 in WY

Audi A3 insurance by driver profile

Estimated annual Audi A3 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,635	$2,370	$4,445	$370
Young adult (22)	$950	$1,380	$2,585	$215
Adult in their 30s	$595	$860	$1,615	$135
Adult in their 50s	$545	$795	$1,485	$124
Senior (72)	$665	$965	$1,810	$151
30s, one at-fault accident	$860	$1,250	$2,345	$195
30s, DUI on record	$1,100	$1,595	$2,990	$249

Audi A3 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi A3	$1,615	118	73	—
Lexus ES	$1,590	121	108	Compare
Jaguar XJ	$1,480	—	—	Compare
Acura Integra	$1,640	120	100	Compare

Estimate Audi A3 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Audi models

A5 $1,735/yr
A6 e-tron $1,910/yr
A8 $2,865/yr
e-tron GT $2,195/yr
Q3 $1,440/yr
Q6 e-tron $1,870/yr
Q8 $1,835/yr
RS 3 $1,810/yr
RS Q8 $2,340/yr
S3 $1,520/yr
S5 $1,830/yr
S8 $2,665/yr
SQ5 $1,720/yr
SQ8 $2,240/yr
A6 $1,860/yr
Q4 e-tron $1,615/yr
Q5 $1,500/yr
Q7 $1,570/yr
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A4 $1,565/yr
A7 $1,825/yr
Q8 e-tron $2,015/yr
RS 5 $2,045/yr
S4 $2,020/yr
S6 $1,835/yr
S7 $2,015/yr
e-tron $1,685/yr
R8 $1,975/yr

All Audi insurance costs →

Frequently asked questions

How much is insurance for a Audi A3?

We estimate about $1,615 a year ($135 a month) for full coverage and $595 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 2% more than the average vehicle.

Is the Audi A3 expensive to insure?

HLDI insurance-loss data rates it at 118 for collision and 73 for comprehensive losses (100 = average of all vehicles), meaning collision losses are worse than average.

Which state is cheapest to insure a Audi A3?

North Dakota has the lowest estimate (about $1,025 a year for full coverage) and Florida the highest (about $2,270).

Is the Audi A3 cheaper to insure than the Lexus ES?

By our estimate the Audi A3 costs about $1,615 a year versus $1,630 for the Lexus ES, making it the cheaper of the two to insure.

How much is Audi A3 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,445 a year at national-average rates by our estimate.

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