Audi A3 insurance group

Vehicles in the UK are assigned an insurance group from 1 (cheapest) to 50 (most expensive), and this helps determine the overall cost of your insurance premium. Audi A3 models are classed in insurance groups 14 to 46, meaning the cost of insurance can vary significantly depending on which model you have.

Audi A3 insurance group and cost by model

In the table below, we show you the insurance group for each Audi A3 model and also the likely cost at a few different ages.

As an example, a 30-year-old living in an average UK postcode could pay £1,092 for an Audi A3 1.2 TFSI SE 5d, or around £6,283 for an Audi A3 RS 3 400PS Quattro S Tronic auto 5d.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown, for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: June 2024 (source: Confused)

Average Audi A3 insurance rates

To give you an indication about how much it would cost to insure your Audi A3, we ran several quotes in order to obtain an average figure. Our results estimated that you could, on average, insure your Audi A3 with comprehensive insurance for monthly payments of £132.48 or an annual sum of £977.01.

• How we got this rate

  To generate these figures we used the following information:

  • The vehicle is a 2018 model
  • Manual transmission
  • Petrol
  • Factory fitted alarm system
  • Not modified
  • Used for social, domestic and commuting purposes
  • 10,000 mileage per year
  • The car is parked in a car park during the day
  • The car is parked on a driveway at night
  • Driver is a 30-year-old teacher from London
  • Five years no claims discount
  • Driver has not had any driving or other convictions in the last 5 years

Audi A3 insurance cost by location

While the table above shows the average cost of insurance for various Ford Fiesta models based on insurance group and the age of the driver, there are other things that affect the cost of your premium, including your job and marital status. Where you live also has big impact on your insurance rate.

To show the power of the postcode, here are some average quotes for a 30-year-old living in three different locations. The quotes are for an Audi A3 1.2 TFSI Sport 5d.

• Expensive: £1,092 (London SE1)
• Average: £712 (Newcastle NE1)
• Cheap: £743.59 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: June 2024 (source: Confused)

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Which factors can affect my A3 insurance rate?

• Engine type and capacity. You’ll generally pay more for insurance if you have a bigger engine, even compared to the same model. For example, an average 30-year-old may pay £674 for the 1.6-litre Audi A3 1.6 TDI Sport 5d, but could pay around £692 for the 2.0-litre Audi A3 2.0 TDI Sport 5d.
• Driver location. Where you live helps determine how likely you are to be involved in an accident or have your car stolen, and therefore impacts the price of insurance. As an example, a 30-year-old in central London will pay £1,059 for insurance for an Audi A3 1.4 TFSI Sport 5d, while the same 30-year-old in Newcastle may only pay £646.
• Driver age. Your age also plays a big role in the cost of insurance, especially if you’re under 25. The average 20-year-old driver in London may pay £4,397 for the Audi A3 Sport 30 TFSI 116PS 5d, while the average 40-year-old from the same address will only pay £862.

There are a lot of other factors that can also impact the price of your premiums. These include:

• No claims discount
• Your driving history
• The model and age of your car
• Your marital status
• Your car’s safety rating, security and anti-theft precautions
• Your credit history and job
• Optional extras
• Annual miles driven

Learn about other factors that affect your insurance policy costs

How can I save on my car insurance?

If you like to save (and who doesn’t?), you’re in luck. Below we’ve collected some of the top factors that affect your insurance rate – and how you can save money!

• Annual payments. Have you considered paying for your insurance annually rather than monthly? In the case of A3 models, this move would save you £612 every year.
• Personal information. While not something that is particularly easy to adjust, insurers take a driver’s personal situation into account when offering a policy. This includes age, sex, geographical location, and marital status. In simple terms, insurance companies like stability – and they’ll reward it with lower premiums.
• Modifications. Car modifications are a tricky business when it comes to car insurance. Insurers generally punish you for any add-ons designed to make the car faster with higher premiums (deeming you as a more at-risk driver). Investment in add-ons designed to compliment the car’s safety and security features, however, for instance tracking technology, are generally rewarded with lower premiums as these reduce risk for insurers.
• Transmission. Have you considered that the transmission of your car might be affecting your insurance rate? Our research indicates that you’d need to pay extra in an annual instalment if you opt for the automatic model, as opposed to the manual A3. If you pay monthly this discrepancy is even greater – you’d be pay more every year purely because of the transmission you’ve picked!
• Credit History. Insurers will likely reward drivers with better credit histories and longer periods of no claims and no convictions.

Audi Trivia

• In 1995, the International Olympic Committee sued Audi in the belief that Audi’s four-ring logo was an infringement on the classic Olympic logo. As you might have expected, the International Trademark Court cleared Audi of any wrongdoing.
• The company name, Audi, comes from the Latin translation of the founder, August Horch. Horch, which translates as ‘Listen’ in English, becomes ‘Audi’ in Latin.
• The Audi A3 Sportback was runner-up in the Best Family Car category at the 2018 What Car? Car Of The Year Awards.

The bottom line

The Audi A3 is a classy choice for a family car. Some of its more powerful models will cost a lot to insure, but our guide will help you keep costs down.

Frequently asked questions

• What is the top speed of a Audi A3?

  Depending on the model version, you can expect a Audi A3 to reach a top speed of 155 miles per hour.

• Is the Audi A3 safe?

  In a nutshell, it’s pretty safe. In 2020, the European New Car Assessment Programme (NCAP) tested the third-generation A3 and gave it a rating of five stars. An examination of the safety for occupants – both adult and child – produced excellent results, returning results of 95% and 87% respectively. Five stars were also granted to the A3 by the National Highway Traffic Safety Administration.

  Ask your insurer which extra safety and security features you can add to your car in return for lower premiums.

• How much car tax do I have to pay for the Audi A3?

  The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Audi A3?

  You can buy a Audi A3 at dealerships, using online sellers or from a current owner.

• Is the Audi A3 any good?

  The Audi A3 is generally regarded as a solid choice for a family sedan, having received four star reviews from Autocar and What Car? among others.

• Where can I find Audi A3 car insurance?

  You can compare the costs of Audi A3 car insurance using any price comparison website.

• Is a Audi A3 expensive to insure?

  The Audi A3 can be found in insurance groups ranging from 14 to 46. That’s a broad range, so your choice of model will have a huge impact on insurance costs.

Compare insurance for other Audi models

Written by

Danny Butler

Publisher

Danny is a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. Danny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC. See full bio

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