Estimates, not quotes

Audi S3 Insurance Cost in Delaware

Insuring a Audi S3 in Delaware costs about $1,635 a year ($136/month) for full coverage by our estimate — +8% versus the same car nationally — the 13th most expensive of 51 states for this model.

Audi S3 (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 in Delaware at a glance

Full coverage
$1,635
$1,340–$1,930
25/50/10 minimum
$635
$53/mo
Same car nationally
$1,520
full coverage
Avg. car in DE
$1,770
−8% for the S3

The Audi S3 is 8% cheaper than the average vehicle to insure in Delaware, reflecting HLDI collision losses of 122 and comprehensive losses of 95 (100 = average). Delaware's own base rates are 14% higher than the national average, which carries through to every model.

Delaware factors that affect S3 premiums

  • Uninsured drivers: 17.6% of Delaware drivers are uninsured (U.S. 15.4%), which raises the value of uninsured motorist coverage for your S3.
  • Theft: 188 vehicle thefts per 100,000 residents (U.S. 197).
  • Weather: FEMA rates Delaware's expected annual losses as very low for hail, relatively low for tornado, relatively low for hurricane, relatively low for inland (river) flooding, relatively low for strong wind — hail, wind and flood claims fall under comprehensive.
  • Crash risk: 1.27 traffic deaths per 100 million miles (U.S. 1.19).
  • Fault system: At-fault (tort), with required personal injury protection.

Car insurance rules and costs in Delaware →

Audi S3 insurance cost in Delaware cities

CityFull coverageMinimumvs. state
Wilmington$1,815$705+11%
Dover$1,665$650+2%
Newark$1,670$650+2%
Middletown$1,795$700+10%
Milford$1,665$650+2%
Smyrna$1,850$725+13%
Seaford$1,760$685+8%
Georgetown$1,760$685+8%

Audi S3 insurance in Delaware by driver

Estimated annual Audi S3 premium in Delaware
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,750 $2,540 $4,495 $375
Young adult (22) $1,020 $1,475 $2,615 $218
Adult in their 30s $635 $925 $1,635 $136
Adult in their 50s $585 $850 $1,505 $125
Senior (72) $715 $1,035 $1,830 $153
30s, one at-fault accident $925 $1,340 $2,370 $198
30s, DUI on record $1,180 $1,710 $3,020 $252

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. $635 $53 $520–$750
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $925 $77 $755–$1,090
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,635 $136 $1,340–$1,930

Delaware minimum: 25/50/10 liability coverage. Lenders require collision and comprehensive on financed or leased cars.

Rivals in Delaware

ModelFull coverage in DEvs. S3
Lexus ES$1,760+8%
Acura Integra$1,835+12%
Polestar 2$1,6350%
Volvo S90$1,865+14%

Estimate your S3 premium by ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

Estimated annual premium
—
Per month
—

Audi S3 insurance cost in every state · All Audi models

Frequently asked questions

How much is Audi S3 insurance in Delaware?

About $1,635 a year ($136 a month) for full coverage and $635 for Delaware's minimum liability, for a driver in their 30s with a clean record. That is 8% more than the national estimate for the same car.

Is the Audi S3 cheaper to insure than the average car in Delaware?

The average vehicle in Delaware is about $1,770 a year for full coverage in our model, so the Audi S3 is 8% cheaper than average.

Where in Delaware is Audi S3 insurance cheapest?

Among the largest Delaware cities, Dover has the lowest estimate (about $1,665) and Smyrna the highest (about $1,850).

What insurance do I need for a Audi S3 in Delaware?

Delaware requires at least 25/50/10 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