Are Audi S3s Expensive to Insure? [Guide + Free Quotes]

The average Audi S3 insurance rates are $123 per month, but Audi S3 insurance for a 17-year-old or other high-risk drivers can be more expensive. Find the lowest Audi S3 insurance costs by comparison shopping online. Enter your ZIP code below and see how much you can save on your Audi S3 insurance quote.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,474 a year or $123 each month
  • A liability-only policy costs around $591 a year or $49 each month
  • Highest rates are for teenage drivers at around $5,387 a year or $449 each month
  • Good drivers can save as much as $608 a year by earning policy discounts
  • Audi S3 insurance costs around $45 less per year than the average vehicle

Audi S3 insurance rates are slightly less than the average vehicle with full coverage costing around $1,474 a year or $123 a month. The highest rates are for teens who pay about $5,387 a year or $449 a month as high-risk drivers with little experience.

Good drivers save up to $608 a year in policy discounts by practicing safe driver discounts. Let’s take a look at Audi S3 insurance rates, crash test ratings, and more.

You can start comparing quotes for Audi S3 car insurance rates from some of the best car insurance companies by using our free online tool now.

Audi S3 Insurance Cost

The average Audi S3 auto insurance costs are $1,474 a year or $123 a month.

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Are Audi S3s Expensive to Insure?

The chart below details how Audi S3 insurance rates compare to other sedans like the Volkswagen Passat, Toyota Corolla, and Hyundai Elantra.

Vehicle Comprehensive Collision Liability Total
Audi S3 $356 $744 $264 $1,474
Volkswagen Passat $332 $600 $390 $1,480
Toyota Corolla $294 $542 $390 $1,384
Hyundai Elantra $280 $562 $372 $1,372
Lincoln MKZ $320 $686 $450 $1,636
Nissan Maxima $372 $630 $390 $1,550
Cadillac ATS $294 $566 $398 $1,416
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However, there are a few things you can do to find the cheapest Audi insurance rates online.

What Impacts the Cost of Audi S3 Insurance?

The Audi S3 trim and model you choose will affect the total price you will pay for Audi S3 insurance coverage.

Age of the Vehicle

Older Audi S3 models generally cost less to insure. For example, car insurance for a 2018 Audi S3 costs $1,474, while 2015 Audi S3 insurance costs are $1,388, a difference of $86.

Model Year Comprehensive Collision Liability Total
2018 Audi S3 $356 $744 $264 $1,474
2017 Audi S3 $344 $726 $274 $1,454
2016 Audi S3 $332 $696 $284 $1,422
2015 Audi S3 $314 $672 $292 $1,388
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Driver Age

Driver age can have a significant impact on the cost of Audi S3 auto insurance. For example, 20-year-old drivers pay as much as $1,868 more each year for their Audi S3 auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Audi S3 insurance rates. For example, drivers in New York may pay $383 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on your Audi S3 auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Audi S3 car insurance with violations on their driving record.

Audi S3 Safety Ratings

The Audi S3’s safety ratings will affect your Audi S3 auto insurance rates. See the chart below:

Test Type Rating
Small overlap front: driver-side Good
Small overlap front: passenger-side Good
Moderate overlap front Good
Side Good
Roof strength Good
Head restraints and seats Good
Source: Insurance Institute for Highway Safety
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Audi S3 Crash Test Ratings

Audi S3 crash test ratings will affect your Audi S3 car insurance rates.

Vehicle Tested Overall Frontal Side Rollover
2020 Audi S3 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2019 Audi S3 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2018 Audi S3 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2017 Audi S3 4 DR AWD 5 stars 4 stars 5 stars 4 stars
2016 Audi S3 4 DR AWD 5 stars 4 stars 5 stars 4 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Audi S3 Safety Features

The Audi S3 safety features can help lower insurance costs. According to AutoBlog, the 2020 Audi S3 has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • Rear Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Brake Assist
  • Electronic Stability Control
  • Daytime Running Lights
  • Child Safety Locks
  • Integrated Turn Signal Mirrors
  • Traction Control
  • Blind Spot Monitor
  • Auto-Leveling Headlights
  • Cross-Traffic Alert

Audi S3 Finance and Insurance Cost

If you are financing a Audi S3, most lenders will require your carry higher Audi S3 coverage options including comprehensive coverage, so be sure to shop around and compare Audi S3 auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Audi S3 Insurance

You have more options at your disposal to save money on your Audi S3 auto insurance costs. For example, try taking advantage of the following five strategies to reduce your Audi S3 car insurance rates

  • Use Paperless Billing for Your Audi S3 Insurance Policy
  • Ask for a Higher Deductible for Your Audi S3 Insurance Policy
  • Remove Unnecessary Insurance Once Your Audi S3 is Paid Off
  • Re-Check Audi S3 Quotes Every 6 Months
  • Watch Your Insurer Closely When Your Audi S3 Needs Repairs

Top Audi S3 Insurance Companies

Several insurance companies offer competitive rates for the Audi S3 based on factors like discounts for safety features. Take a look at these top car insurance companies that are popular with Audi S3 drivers organized by market share.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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To start comparing Audi S3 car insurance quotes for free, use our online car insurance comparison tool.

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