The Audi S3 is a hatchback that’s effortlessly quick, with style and power to burn. Just as you’d expect from the German manufacturer, this sporty vehicle looks great and handles immaculately, according to reviews. However, there isn’t too much to differentiate it from premium hatchbacks offered by high-end rivals such as Mercedes or BMW. In this guide, you’ll find out how much it costs to insure an Audi S3, based on the age and location of the driver.
What insurance group does the Audi S3 fall under?
All vehicles are given a specific insurance group that ranges from 1 (cheapest) to 50 (most expensive) which helps determine the cost of your premium. Audi S3 models range from insurance group 36 to 42, meaning it will cost more to insure this car compared to the average vehicle. For example, a 30-year-old driver in an average postcode could pay around £1,838 for cover on an Audi S3 Sportback TFSI Quattro 5d that is in insurance group 36 or around £2,182 for an Audi S3 TFSI Quattro Cabriolet Nav 2d S Tronic that is in insurance group 42. That’s £138 difference between the two models.
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).
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There are a number of other factors that affect the cost of your car insurance premiums, one of the biggest being your location.
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 S3 GT Line 1.5 BlueHDi 130 S&S 5d.
Expensive: £12,373 (London SE1)
Average: £1,838 (Newcastle NE1)
Cheap: £1,610.07 (Galashiels TD1)
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).
Along with insurance group, there are a number of key factors that have the biggest impact on your insurance premium costs:
Engine type and capacity. In general, the larger the engine, the more you’ll pay for your car insurance. For example, it may cost £12,373 for insurance for an Audi S3 TFSI Quattro Hatchback 3d, while you may pay £9,638 for an Audi S3 TFSI Quattro Cabriolet Nav 2d S Tronic. That’s an extra £129 per year you’ll pay for an Audi S3 with a larger engine.
Driver location. Insurers will use your home address to determine the risk of your car being stolen or involved in an accident, and this will affect the cost of insurance. For example, a 30-year-old in central London may pay £12,373 for insurance for an Audi S3 TFSI Quattro Hatchback 3d, while the same 30-year-old in Newcastle may only pay £1,838. That’s an extra £190 per year for those in the capital to insure the same vehicle.
Driver age. The youngest drivers pay more for car insurance because they’re more likely to make a claim. As an example, the average 20-year-old driver in London may pay £22,523 for the Audi S3 TFSI Quattro Saloon 4d, while the average 40-year-old Londoner will only pay £3,363. That’s a whopping £923 per year extra for the younger driver in this example.
Other factors that influence the cost of your insurance include:
The model of your car
The age of your car
Your car’s safety rating score
Your car’s security features
Your car’s anti-theft precautions
The annual mileage
Your driving history and activity
The number of years on your no-claims discount
Your marital status
Your credit history
Your occupation
How can I save on my Audi S3 premiums?
When searching for car insurance, it’s worth taking the time to search for a price within your budget. So, here are some ideas to lower the cost of your premium.
Limit your annual mileage (where possible). Walking or taking public transport, rather than using your car, can help to save on your premiums.
Pay annually rather than monthly. When you pay annually, you won’t be charged interest on monthly repayments.
Install extra safety precautions. Extra safety measures make your car less of a risk for companies to insure. That’s why many insurers will lower your premium when you do so.
Shop around for the best deal using price comparison websites. Don’t just settle for the renewal price given to you – there is likely to be cheaper options out there when you switch providers.
Audi S3 facts and trivia
The first two generations of the Audi A3 were based on the same platform as the Volkswagen Golf and the Volkswagen Touran.
The Audi S3 is available to buy brand new in the UK from £30,535.
Bottom line
The Audi S3 is a luxury SUV, which is enjoyable to drive, but it’ll cost you a lot as far as your insurance premiums go. Thankfully, the tips in this guide will help you to reduce your car insurance costs.
Frequently asked questions
You can expect the fastest model of the Audi S3 to reach a top speed of 155 miles per hour.
In its Euro NCAP crash tests, this vehicle achieved a full 5-star rating. This rating included a 89% rating for protecting adult occupants and 81% for protecting child occupants.
The UK standard car tax rate sits at £150 per year. However, you might pay more or less depending on your car’s emissions.
You can buy an Audi S3 at dealerships, using online sellers or from a current owner.
This hatchback is a great choice if you’re looking for a premium vehicle, which performs as beautifully as it looks, according to reviews.
You can compare the costs of Audi S3 car insurance using any price comparison website.
Yes, this vehicle can be found in insurance groups ranging from 36 to 42, so you’ll pay more for insurance compared to the average vehicle.
*Based on data provided by Consumer Intelligence Ltd, www.consumerintelligence.com (July ’24). 51% of car insurance customers could save £523.17
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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
Danny's expertise
Danny has written 347 Finder guides across topics including:
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