Estimates, not quotes

Audi A3 Insurance Cost in Connecticut

Insuring a Audi A3 in Connecticut costs about $1,720 a year ($143/month) for full coverage by our estimate — +7% versus the same car nationally — the 14th most expensive of 51 states for this model.

Audi A3 (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 in Connecticut at a glance

Full coverage
$1,720
$1,410–$2,030
25/50/25 minimum
$690
$57/mo
Same car nationally
$1,615
full coverage
Avg. car in CT
$1,685
+2% for the A3

The Audi A3 is 2% more expensive than the average vehicle to insure in Connecticut, reflecting HLDI collision losses of 118 and comprehensive losses of 73 (100 = average). Connecticut's own base rates are 9% higher than the national average, which carries through to every model.

Connecticut factors that affect A3 premiums

  • Uninsured drivers: 11.8% of Connecticut drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your A3.
  • Theft: 171 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Connecticut's expected annual losses as very low for hail, relatively low for tornado, relatively moderate for hurricane, relatively moderate for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.00 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort).

Car insurance rules and costs in Connecticut →

Audi A3 insurance cost in Connecticut cities

CityFull coverageMinimumvs. state
Bridgeport$2,000$800+16%
Stamford$1,870$750+9%
New Haven$1,825$730+6%
Hartford$1,845$740+7%
Waterbury$1,870$750+9%
Norwalk$1,860$745+8%
Danbury$1,835$735+7%
New Britain$1,795$720+4%

Audi A3 insurance in Connecticut by driver

Estimated annual Audi A3 premium in Connecticut
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,895 $2,745 $4,730 $394
Young adult (22) $1,100 $1,600 $2,755 $230
Adult in their 30s $690 $1,000 $1,720 $143
Adult in their 50s $635 $920 $1,585 $132
Senior (72) $770 $1,120 $1,925 $160
30s, one at-fault accident $1,000 $1,450 $2,495 $208
30s, DUI on record $1,275 $1,845 $3,185 $265

Coverage levels

Estimated premium by coverage level (driver in their 30s, clean record)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $690 $57 $565–$815
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $1,000 $83 $820–$1,180
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,720 $143 $1,410–$2,030

Connecticut minimum: 25/50/25 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Connecticut

ModelFull coverage in CTvs. A3
Lexus ES$1,705−1%
Jaguar XJ$1,900+10%
Acura Integra$1,765+3%
Lexus IS$1,945+13%

Estimate your A3 premium by ZIP code

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Estimated annual premium
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Audi A3 insurance cost in every state · All Audi models

Frequently asked questions

How much is Audi A3 insurance in Connecticut?

About $1,720 a year ($143 a month) for full coverage and $690 for Connecticut's minimum liability, for a driver in their 30s with a clean record. That is 7% more than the national estimate for the same car.

Is the Audi A3 cheaper to insure than the average car in Connecticut?

The average vehicle in Connecticut is about $1,685 a year for full coverage in our model, so the Audi A3 is 2% more expensive than average.

Where in Connecticut is Audi A3 insurance cheapest?

Among the largest Connecticut cities, New Britain has the lowest estimate (about $1,795) and Bridgeport the highest (about $2,000).

What insurance do I need for a Audi A3 in Connecticut?

Connecticut requires at least 25/50/25 liability coverage. If the car is financed or leased, the lender will also require collision and comprehensive.

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