Estimates, not quotes

Audi S3 Insurance Cost

Full coverage for a Audi S3 costs about $1,520 a year ($127/month) by our estimate — ▼ −4% versus the average vehicle, ranking 104th cheapest of 310 current models.

Audi S3 exterior (photo from Wikimedia Commons)
Photo: Thomas doerfer, CC BY-SA 3.0
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 S3 insurance cost at a glance

Full coverage
$1,520
$127/mo · $1,250–$1,795
Minimum liability
$485
$41/mo
Segment
Luxury car
Gasoline, Hybrid
HLDI collision losses
122
Much 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 2015–2027 model years of the Audi S3.

Estimated Audi S3 premium by coverage level (national average rates)
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. $485 $41 $400–$575
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $705 $59 $580–$835
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,520 $127 $1,250–$1,795

What drives the cost of insuring a Audi S3

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 S3's results put our vehicle factor at 0.79× for liability, 1.25× for collision and 1.00× for comprehensive.

HLDI relative insurance losses — Audi S3 4dr 4WD (Midsize Luxury cars)
CoverageIndexRatingWhat it measures
Collision122Much worse than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive95Better than averageTheft, vandalism, glass, weather and animal damage
Property damage liability67Much better than averageDamage this car does to other vehicles and property
  • 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 0 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi S3 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.

ConfigurationDriveEngineMPG (comb.)
S3AWD2.0L 4-cyl Turbo26

Audi S3 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 yearEnginesDriveMPGEst. full / yr
20272.0L 4-cyl TurboAWD26$1,520
20262.0L 4-cyl TurboAWD26$1,485
20252.0L 4-cyl TurboAWD26$1,450
20242.0L 4-cyl Turbo HybridAWD26$1,410
20232.0L 4-cyl TurboAWD26$1,375
20222.0L 4-cyl TurboAWD27$1,340
20202.0L 4-cyl TurboAWD25$1,265
20192.0L 4-cyl TurboAWD25$1,230
20182.0L 4-cyl TurboAWD25$1,190
20172.0L 4-cyl TurboAWD24$1,155
20162.0L 4-cyl TurboAWD26$1,120
20152.0L 4-cyl TurboAWD26$1,115

Audi S3 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 S3 page for that state.

StateFull coverageMinimumvs. nationalS3 page
Alabama$1,355$380−11%S3 in AL
Alaska$1,350$495−11%S3 in AK
Arizona$1,580$525+4%S3 in AZ
Arkansas$1,390$355−9%S3 in AR
California$1,540$455+1%S3 in CA
Colorado$1,725$515+13%S3 in CO
Connecticut$1,590$565+5%S3 in CT
Delaware$1,635$635+8%S3 in DE
District of Columbia$1,945$590+28%S3 in DC
Florida$2,055$855+35%S3 in FL
Georgia$1,820$690+20%S3 in GA
Hawaii$1,080$345−29%S3 in HI
Idaho$1,040$320−32%S3 in ID
Illinois$1,340$395−12%S3 in IL
Indiana$1,100$320−28%S3 in IN
Iowa$1,070$245−30%S3 in IA
Kansas$1,245$320−18%S3 in KS
Kentucky$1,270$420−16%S3 in KY
Louisiana$2,080$630+37%S3 in LA
Maine$990$335−35%S3 in ME
Maryland$1,690$600+11%S3 in MD
Massachusetts$1,510$470−1%S3 in MA
Michigan$1,680$610+11%S3 in MI
Minnesota$1,290$375−15%S3 in MN
Mississippi$1,475$420−3%S3 in MS
Missouri$1,395$405−8%S3 in MO
Montana$1,250$310−18%S3 in MT
Nebraska$1,250$320−18%S3 in NE
Nevada$1,660$690+9%S3 in NV
New Hampshire$1,110$320−27%S3 in NH
New Jersey$1,770$745+16%S3 in NJ
New Mexico$1,380$415−9%S3 in NM
New York$1,985$740+31%S3 in NY
North Carolina$1,185$355−22%S3 in NC
North Dakota$1,025$220−33%S3 in ND
Ohio$1,105$320−27%S3 in OH
Oklahoma$1,405$375−8%S3 in OK
Oregon$1,325$495−13%S3 in OR
Pennsylvania$1,365$340−10%S3 in PA
Rhode Island$1,800$650+18%S3 in RI
South Carolina$1,575$580+4%S3 in SC
South Dakota$1,215$250−20%S3 in SD
Tennessee$1,295$360−15%S3 in TN
Texas$1,825$550+20%S3 in TX
Utah$1,345$520−12%S3 in UT
Vermont$1,035$250−32%S3 in VT
Virginia$1,310$500−14%S3 in VA
Washington$1,295$470−15%S3 in WA
West Virginia$1,305$345−14%S3 in WV
Wisconsin$1,060$295−30%S3 in WI
Wyoming$1,245$260−18%S3 in WY

Audi S3 insurance by driver profile

Estimated annual Audi S3 premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,340 $1,945 $4,185 $349
Young adult (22) $780 $1,130 $2,435 $203
Adult in their 30s $485 $705 $1,520 $127
Adult in their 50s $450 $650 $1,400 $117
Senior (72) $545 $790 $1,705 $142
30s, one at-fault accident $705 $1,025 $2,205 $184
30s, DUI on record $900 $1,305 $2,815 $235

Audi S3 vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Audi S3$1,52012295—
Lexus ES$1,590121108Compare
Acura Integra$1,640120100Compare
Polestar 2$1,44511990Compare

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Frequently asked questions

How much is insurance for a Audi S3?

We estimate about $1,520 a year ($127 a month) for full coverage and $485 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 4% less than the average vehicle.

Is the Audi S3 expensive to insure?

HLDI insurance-loss data rates it at 122 for collision and 95 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi S3?

Maine has the lowest estimate (about $990 a year for full coverage) and Louisiana the highest (about $2,080).

Is the Audi S3 cheaper to insure than the Lexus ES?

By our estimate the Audi S3 costs about $1,520 a year versus $1,630 for the Lexus ES, making it the cheaper of the two to insure.

How much is Audi S3 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,185 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