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Audi A3 insurance rates

Average A3 insurance cost? $205. At this price point, look for more perks to protect your ride.

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The average cost of car insurance for a 2020 Audi A3 is $205.13 a month —or $2,461.53 a year. However, your actual costs depend on your driving history, car model, location and other factors.

We pulled Audi A3 car insurance quotes from top insurance companies to find that the average monthly cost to insure a 2020 Audi A3 is $205.13. However, an older model may score you lower rates.

Model YearProgressiveGeicoState FarmFarmersAverage
2011 Audi A3$105.07$106.64$178.95$188.28$144.74
2016 Audi A3$118.24$131.28$207.47$219.35$169.09
2020 Audi A3$202.59$158.30$232.17$227.45$205.13

How we got these rates

Our rates are based on a single 30-year old driver with a clean driving history living in California. California is one of seven states that don’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:

  • Bodily injury liability per person: $50,000
  • Bodily injury liability per accident: $100,000
  • Property damage liability: $50,000
  • Comprehensive deductible: $500
  • Collision deductible: $500
  • Medical payments: $5,000
  • Uninsured motorist bodily injury: $50,000/$100,000
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How to compare insurance for the Audi A3

Most large insurance companies should provide coverage for the Audi A3, so you should shop around to find a policy that meets your needs. It helps to know what to look for when choosing a policy. In order to accurately compare your options, consider a variety of factors beyond price alone.

  • Price. Although price is important, it’s best used a tool to compare similar policy options rather than your deciding factor.
  • Deductible. Choose a deductible that suits your budget and situation. Higher deductibles may cost more up front but can make for lower monthly premiums. Similarly, a lower deductible costs less if you file a claim, but could cost you more in monthly premiums
  • Minimum coverage. Besides New Hampshire and Virginia, every state requires drivers to have car insurance. Make sure your state’s minimums are met before choosing a policy.
  • Additional coverage. Personal injury protection and uninsured motorist coverage are just two of the many available types of extended coverage. Be sure to choose a provider that offers the additional coverage you need.
  • Extras. Accident forgiveness, roadside assistance and no-deductible glass repair are all extras that may be available on your policy. If extra features are important to you, be sure to speak with your provider to find out whats available.
  • Restrictions. Some policies may have restrictions on ridesharing, traveling out of the country, or other limitations. Be aware of any restrictions to avoid gaps in coverage or denied claims.
  • Manufacturer offer or loyalty discount. Some manufacturers have partnerships with insurance providers to provide special offers or discounts. Speak with your Audi dealer to find out if any offers are available.
  • Warranty. Find out what coverage is offered through your manufacturer warranty to avoid paying for extra coverage you don’t need

What factors affect car insurance rates for Audi A3?

Your premiums are determined by a combination of multiple factors including driving history, location, choice of provider, and of course, the vehicle you drive. Every vehicle has its own safety features, body styling, engine and other elements that are all considered when calculating your premiums. This is why your rates may vary so much depending on the type of vehicle you are insuring.

  • Body type. The A3 is a four-door sedan, which is best suited for commuting and pleasure. This body type is less likely to be driven aggressively like a sports car might be, meaning insurance rates may be lower.
  • Type of car. The A3 is a luxury small sedan, which is generally cheaper to insure than vehicles like an SUV or pickup truck. However, it might be more expensive than an entry-level small sedan like a Volkswagen Jetta.
  • Theft. Sedans have the highest theft rate of all vehicles, which may be a reason why insurance rates are higher.
  • Repairs. Audi vehicles are extremely commmon in North America, meaning you should have no problem finding parts or repair shops. This could translate to lower insurance premiums.
  • Safety ratings. In general, Audi vehicles have great safety ratings, and the A3 is no exception. Safer vehicles generally cost less to insure.

How do trim packages affect insurance costs?

Trim packages and accessories can impact your vehicle on and off the road. For example, additional security systems can reduce the risk of theft, safety features can help prevent collisions, and engine packages can add more power. The way your Audi A3 is configured might impact the price of auto insurance.

Packages

  • Premium. This package includes a rear view camera and Xenon headlights, which may increase visibility and decrease the cost of insurance.
  • Premium Plus. The parking system, side assist and cross traffic assist can make driving safer and potentially reduce your premiums.
  • Prestige. This package includes everything on Premium Plus along with full LED headlights and adaptive cruise control, all of which could help reduce your rates.
  • TFSI Quattro with AWD. All wheel drive, available on all packages, can increase traction and may reduce the cost of insurance.

Options

  • Sport suspension. This option may improve your handling which could in turn decrease your premiums.
  • Rear-passenger side airbags. This safety feature can decrease the risk of bodily injury in the event of an accident and could therefore reduce your premiums.

Does the Audi A3 qualify for auto insurance discounts?

Your vehicle may be eligible for various auto insurance discounts depending on which provider you choose. However, the exact discounts you receive may vary depending on location, provider, options, and other factors. Here are a few that should apply to the Audi A3:

  • New car discount
  • Anti-lock brake discount
  • Anti-theft discount
  • Passive restraint discount (Airbags, motorized seat belts, etc.)
  • Emergency roadside assistance discount

How reliable is the Audi A3?

According to J.D. Power, the 2017 Audi A3 recieved an average 3/5 star rating for reliability. However, various consumer reviews from other websites rate it 4.5/5 stars or higher, with one source giving it a 95.5% reliability rating based on an extensive driver survey.

There have been a number of recalls on Audi A3 models since its overhaul in 2015. Here are a few of the recent causes:

  • 2017-2018. About 8,400 2017-2018 Audi A3 cabriolets and sedans were recalled due to an issue that cuased the engine to stall. Audi claims that the engine control unit software may misinterpret the flywheel rotation on engine startup as a “knocking” condition, and the adjusted air/fuel mixture may result in a stall, increasing crash risk.
  • 2017. A limited number of 2017 models were recalled due to an issue where the passenger frontal air bag could deploy improperly, potentially causing injury to the occupant as the air bag could deploy with more force than intended.
  • 2016. A limited number of 2016 Audi A3s were recalled for issues with engine cooling, fuel systems and side marker lights.
  • 2015. Less than 1,000 2015 Audi A3s were recalled for improperly stitched front seats which could prevent side airbags from deploying in the event of a crash.

According to various online resources and forums, the 2015 Audi A3 has the most problems and is considered the worst model year becuse of high repair costs and frequency of issues. However, this may be related to the fact that 2015 was the first model year after its major overhaul. Common issues with the 2015 A3 include excessive oil consumption, transmission warnings, and sudden losses of power. Owners of 2016 models mention issues with jerking and hesitation during acceleration and water leaking into the vehicle.

How safe is the Audi A3?

Like many Audi vehicles, the A3 has great safety ratings and comes equipped with a number of safety features. According to U.S. News and J.D Power, the 2018 A3 received a 9.3/10 for safety and good scores from the IIHS. The NHTSA gives it an overall rating of 5 stars, which breaks down into a 4/5 rating for frontal crash, 5/5 for side crash, and 4/5 for rollover.

Audi A3 maintenance

The Audi A3 is considered a luxury compact sedan and can be expected to perform well as a daily driver. However, it’s important to stay on top of maintenance in order to extend the life of the vehicle and increase mileage. Here’s what to expect in terms of oil changes, mileage, and warranty on the Audi A3.

  • Audi provides your first scheduled maintenance free of charge, which occurs at one year or 10,000 miles. After that, follow the maintenance schedule outlined in your owners manual.
  • Replacing your oil and filter on an Audi A3 should cost about $100 from a mechanic, but could cost up to $150 from a dealership.
  • The standard 2018 Audi A3 gets an average of 29 miles per gallon, with 26 in the city and 35 on the highway.
  • The 2018 Audi A3 Quattro gets an average of 27 miles per gallon, with 24 in the city and 31 on the highway.
  • The 2018 Audi A3 Cabriolet gets an average of 28 miles per gallon, with 25 in the city and 33 on the highway.
  • The 2018 Audi A3 Cabriolet Quattro gets an average of 25 miles per gallon, with 22 in the city and 30 on the highway.
  • Audi encourages owners to bring their A3 to a dealer for service, but won’t void your warranty if you bring it elsewhere.
  • The 2018 Audi A3 comes with a four-year/50,000-mile warranty and 24-hour roadside assistance.

Is an extended warranty worth it for the Audi A3?

The Audi A3 comes with a four-year, 50-000 mile warranty, but you may want to consider extending your coverage after it expires. This is available in the form of the Audi Certified Plus Limited Warranty, which is available after the new vehicle warranty expires. If purchased, the Audi Certified Plus Limited Warranty becomes effective and provides coverage for two years or up to 50,000 additional miles, up to a maximum of 100,000 in total.

About the Audi A3

The Audi A3 was originally designed as a small family sized, compact car in 1996. The 2017 model is known for its low cost and sporty performance. The 2017 Audi A3 has received a 5-Star Overall Safety Rating by the National Highway Traffic Safety Administration and ranked as a Top Safety Pick+ by the Insurance Institute for Highway Safety.

Compare Audi competitors

Looking to see what else is out there? Explore other Audi models or consider a different manufacturer altogether.

Audi offers a wide selection of sedans, wagons, coupes, and other vehicles that may interest you. The A3 is considered Audi’s entry-level vehicle, so expect to pay more for an A4, A5, or any other larger model.

Bottom line

The Audi A3 is an affordable luxury sedan designed for comfort and convenience. While its body style, safety features, cost of repairs, and other factors contribute to the cost of car insurance, you should compare your options to find the actual rate you’ll pay to insure this vehicle.

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Peter Carleton is a freelance writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading. See full bio

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