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Audi S3 insurance rates

Average Audi S3 insurance rates

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The S3 is a performance sports sedan based on Audi’s luxurious entry level vehicle, the A3. Like most other Audi vehicles, the S3 comes packed with a number of safety and driver assistance features to make for a safer and more enjoyable driving experience. These features could also help to reduce your auto insurance rates.

According to our estimates, auto insurance for an Audi S3 costs about $132 a month, or $1,584 per year, roughly $250 more than the national average of $1,318. However, your actual cost may differ, as there are a number of factors that influence the price of car insurance. Your driving history, build options on your vehicle and location are just a few of the many variables. For example, living in California could have you paying closer to its average of $1,962, whereas residents of Idaho might pay a more manageable $1,053. This is why it’s always important to compare your options before deciding on a policy and provider. Filter car insurance companies by your state to get a quote.

A 2017 Audi S3 starts at a base price of $42,900. With the average insurance rate at $1,584 per year, the annual insurance cost–to–base car price ratio is 3.7%.

ModelMonthly insurance rateBase car price
A3$191.00$31,200
A4$191.00$34,900
A4 ALL ROAD$132.00$44,000
A5$127.00$41,200
A6$136.00$47,600
A7$124.00$68,800
A8$191.00$82,500
Q3$191.00$31,800
Q5$138.00$40,900
Q7$197.00$49,000
R8$197.00$162,900
RS7$191$110,700
S3$132$42,900
S5$98$53,100
S6$132$70,900
S7$191$79,900
S8$191.00$115,900
SQ5$132.00$53,300
TT$128.00$43,500
TTS$125.00$52,500
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How to compare insurance for the Audi S3

The S3 is a performance sedan designed for commuting, errands and any other form of daily driving. Its luxurious design comes standard with an array of safety and driver assistance features, meaning you should have no trouble finding coverage. However, like many other types of insurance, shopping for auto insurance coverage can be frustrating. Knowing exactly what you’re looking for can help you compare your options to find the best auto insurance for your Audi S3. The most efficient way to do this is to create a sample policy with all of the options you desire and using that template to get quotes from different providers. Here’s what you need to know.

  • Price. Price is an important consideration but it’s not always the most accurate. Coverage can vary between providers, even when policies seem similar. The best way to compare prices is to use your sample policy to get multiple quotes. This method will allow you to accurately compare similar coverage.
  • Deductible. Your deductible amount can directly affect the cost of insurance. A higher deductible may be more expensive when you file a claim, but will likely come with lower premiums. On the contrary, a lower deductible may cost less out of pocket after an incident, but will contribute to higher monthly premiums.
  • Minimum coverage. Most states have mandatory minimum coverage requirements. Above all else, make sure your state’s minimums are met before purchasing a policy.
  • Additional coverage. If you require additional coverage like personal injury protection or medical payments coverage, be sure to work them into your sample policy to get a more accurate quote.
  • Extras. Some providers offer policy extras like accident forgiveness or roadside assistance. If they aren’t included free, consider whether its worth adding them to your policy.
  • Restrictions. Some providers may have coverage restrictions that could limit your coverage on or off the road. Find out if any apply to your policy to avoid denied claims or gaps in coverage.
  • Manufacturer offer or loyalty discount. Check with your dealer to find out if you’re eligible for any special offers or loyalty programs through partnerships with insurance providers.
  • Warranty. Find out what’s covered by your manufacturer or extended warranty to avoid paying for overlapping coverage.

What factors affect car insurance rates for Audi S3?

The Audi S3 packs almost 300 horsepower into its compact body, making for an exciting trip to and from the office, or anywhere else you take it for that matter. While it’s no Audi R8, this vehicle’s powerful engine and sporty design could make it more expensive to insure. However, it also comes standard with great safety features that could help you save. Between performance, theft rates, repair costs, safety features and many other factors, there are a number of variables that providers take into account when determining your premiums. Here’s how the Audi S3’s characteristics might influence the price you pay for car insurance.

  • Body type. The S3 is a four-door sedan that is designed for daily driving and other casual use. This might help you save on insurance.
  • Type of car. The S3 is considered a luxury performance vehicle, which could pose a higher risk of collisions or cost more to repair, potentially increasing insurance premiums.
  • Theft. Sedans are the most frequently stolen type of vehicle, which means you might end up paying a bit more for insurance.
  • Repairs. Parts and service for the S3 should be easy to find, but the luxurious styling on the interior and body could cost more to repair.
  • Safety ratings. The S3 has great safety ratings and features that could reduce the risk of harm or damage in the event of a collision. This may translate to lower premiums.

How do trim packages and extra build options affect insurance cost?

Auto insurance providers calculate your premiums to reflect the chances of you filing claims and the cost of paying them out. This is why there are so many factors that can affect the price you pay for coverage. Between your driving history, location and vehicle, there are a number of variables that might affect your chances of getting into an accident. Performance, safety features, theft rates and cost of repairs vary from vehicle to vehicle, which is why providers put a lot of emphasis on your car’s model when determining your rates. Beyond the model you drive, even the trim and packages on your vehicle can influence the price you pay for auto insurance. Based on the standard 2018 Audi S3 2.0 TFSI Premium Plus, here’s how build options might affect the cost of insurance.

Trim

  • 2.0 TFSI Prestige. For an extra $5,000, the Prestige trim adds the Audi virtual cockpit, navigation system, adaptive cruise control and more. These features might decrease the risk of collisions, which could reduce your premiums.

Packages and options

  • Technology package. Available on the Premium Plus trim, this package adds a virtual cockpit and navigation system, among other features. The improvement in driver awareness could get you better rates.
  • Wheel locks. Adding wheel locks can reduce the chances of wheel theft and may be rewarded with auto insurance discounts.
  • Rear-passenger side airbags. Upgrading your safety features could reduce harm and damage in the event of an accident. This feature could help you save on auto insurance.

Audi S3 money-saving safety features

You could save money on car insurance for your Audi S3 if it comes equipped with these safety features.

  • Airbags
  • Daytime running lights
  • Anti-lock brakes
  • Anti-theft device
  • Surround camera system
  • Parking sensors
  • Rear back-up sensors
  • LED fog lights
  • Electronic stability control
  • Seatbelt pretensioners

Does the Audi S3 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 S3:

  • 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 S3?

Unfortunately, there isn’t much information about the S3’s reliability. However, this vehicle is based on Audi’s entry level sedan, the A3, in which information is widely available. According to U.S. News and J.D. Power, the 2018 A3 received a 2.5/5 star reliability rating, slightly below average for other cars in its class. Owners on Audi enthusiast forums are satisfied with their vehicles, but mention that excessive oil consumption and minor coolant leaks are not uncommon.

The S3 itself only has one major recall on the 2017 model for air bags not deploying properly in the event of a low-speed collision. However, the A3, which the S3 is based on, has quite a few.

  • 2018: A limited number of A3 vehicles were recalled for an issue that caused the engine control unit to improperly adjust the air/fuel mixture at startup, potentially causing the engine to stall.
  • 2017: Some 2017 A3 vehicles were also affected by the 2017 S3 airbag issue and 2018 engine control unit problem.
  • 2016: A number of 2016 A3 vehicles were recalled due to malfunctioning exterior lighting and an issue with the fuel system that could cause leaks and increase risk of a fire.
  • 2015: Some 2015 models were also affected by the fuel system and engine control unit issues.

Despite the Audi A3 being a newer vehicle, owners have experienced a handful of issues. Common problems include rust on roof rails & door trims, electric window issues, failure of mass air flow sensors, lack of power and more. Repair costs may vary depending on the severity of the issue, mileage when issue becomes apparent and other factors.

Audi S3 maintenance

Audi vehicles are generally designed for comfort and convenience, and the S3 is no different. While it comes standard with a powerful engine and sport tuning, this vehicle was made to be driven frequently, without requiring much maintenance. However, keeping your car up to date with oil changes and other service appointments can increase mileage and ensure that it lasts as long as possible. Here’s what to expect in terms of oil changes, mileage, service appointments and more.

  • Audi recommends an oil change every 10,000 miles or 12 months, whichever comes first. However, if your car is being driven vigorously, you may want to have it changed more frequently.
  • Depending on how long it’s been since your last oil change and where you decide to bring your car for service, oil changes should cost between $75 and $150.
  • According to the 2017 Audi maintenance schedule, your S3 should be brought in for minor maintenance at 10,000 miles and every 20,000 miles after that. Standard maintenance should be done after the first 20,000 miles and every 20,000 after the initial service appointment.
  • The 2018 Audi S3 gets an average of 25 miles per gallon, with 22 in the city and 28 on the highway.
  • The 2017 Audi S3 comes with a four-year/50,000-mile warranty and four years of 24/7 roadside assistance.

Is an extended warranty worth it for the Audi S3?

The Audi S3 comes with a four-year, 50-000 mile warranty, which covers defects on parts and service, along with 24/7 roadside assistance. Once the initial new vehicle warranty expires, you can purchase the Audi Certified Plus Limited warranty, which offers two years or 50,000 more miles of separate coverage. Though the S3 is a sedan designed for frequent use and daily driving, parts may wear out over time, no matter how lightly it’s driven. Adding the extended warranty can offer the peace of mind that your vehicle is still protected, and may even increase resale value should you decide to sell your vehicle.

How safe is the Audi S3?

According to the NHTSA, the 2018 Audi S3 holds great safety ratings in almost every category. Unfortunately, this vehicle is not yet rated by the IIHS or J.D. Power. However, the 2018 A3 was the IIHS 2018 top safety pick for midsize luxury cars. Since the S3 is based on the A3, many of the safety and driver assistance features are similar.

About the Audi S3

The Audi S3 has been in production since 1999, but the third and current generation was introduced in 2013. The 2017 model is known for its high performance and high-tech features. The 2017 model was awarded a Five-Star Overall Safety Rating by the National Highway Traffic Safety Administration.

Insurance companies determine the insurance cost for an Audi S3 based on safety ratings, theft rates, replacement costs and overall damage susceptibility. Insurance rates can change based on a driver’s history and location. Audi shoppers should grab quotes from several insurance companies to find the lowest premium possible before they commit. Audi S3 shoppers should also do their research and see if they qualify for insurance discounts with each insurance company.

Compare Audi competitors

Want to see what else is out there? Learn more about what other models Audi has to offer or explore a different manufacturer to find similar options.

Bottom line

The Audi S3 is a step up from Audi’s entry-level four-door sedan, the A3. Both vehicles come packed with safety and driver assistance features, which could contribute to their amazing safety ratings. Despite the power and sporty styling of the S3, this vehicle was designed for daily driving and should be easy to insure. While our estimates are accurate, your actual rates may vary, so it’s important to compare your options to find coverage that suits your situation and budget.

Frequently asked questions about the Audi S3

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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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