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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Audi A3 insurance costs an average of $175 per month. That’s slightly more than the national average for all vehicles of $163 per month.
USAA is the cheapest insurer for the A3, with an average rate of $98 per month.
The A3’s luxury status and higher repair costs raise premiums. But its standard safety features can help qualify you for discounts.
Average Audi A3 insurance costs vary depending on the coverage you choose. Liability policies cover only other people’s damages and injuries you cause in an accident. Full coverage adds both comprehensive and collision protection, covering damage to your A4 caused by accidents, theft, weather, and other unexpected events.
Here’s a breakdown of how Audi A3 insurance rates compare to the average across all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Audi A3 | $113 | $237 | $175 |
| All vehicles | $113 | $212 | $163 |
Audi A3 drivers pay $113 per month for liability coverage, the same as the national average for all vehicles. But average full-coverage rates for the A3 are $175 per month, about $25 more than the average for all cars.
Now let’s look at how rates change based on factors like age, driving history, and location.
Car insurance rates for the Audi A3 can vary significantly by company, even for the same coverage level and driver profile. That’s why it’s worth comparing insurance quotes from multiple companies to find the one that offers the best price for your coverage needs.
The table below shows the cheapest car insurance companies for the Audi A3, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $147 |
| GEICO | $151 |
| AAA | $165 |
| Nationwide | $178 |
| Progressive | $182 |
| Travelers | $186 |
| Farmers | $211 |
| Liberty Mutual | $251 |
| Amica | $474 |
USAA has the lowest A3 insurance rate, at $98 per month. That’s about 44% cheaper than the A3’s overall average of $175 per month.
Let’s take a closer look at the three most affordable insurers for the Audi A3.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers some of the lowest rates for the Audi A3, but it’s available only to current and former military members and their immediate families. Safe drivers can save even more with the SafePilot telematics program. Low-mileage drivers can also save with the SafePilot Miles pay-per-mile program.
Low Audi A3 rates
Excellent customer service
Offers banking and investment services
Few local branches
Eligibility limited to military personnel
Customer service not available 24/7
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $107/mo |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm is another affordable option for A3 drivers, especially if you have a clean driving record or own a home. State Farm advertises more than $1,300 in average savings when you bundle your auto and homeowners insurance together.
If you drive for a rideshare service full-time or as a side hustle, State Farm can also protect you and your A3 in between trips with rideshare coverage.
Many agents nationwide
Highly rated mobile app
Multiple safe driver discounts available
Deductible rewards not available
Doesn’t offer accident forgiveness
Gap insurance not available
| User Reviews | 3.5 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $139/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers more optional coverages than many insurers, including accident forgiveness, rideshare insurance, and rental reimbursement. If you’re in the market for an A3, Allstate partners with TrueCar, providing savings and free vehicle reports. It also offers extended warranty coverage to cover repairs that your insurance policy doesn’t.
Get quotes from 100+ top insurers and save money today.
With a starting manufacturer’s suggested retail price (MSRP) of $40,100 for the 2026 model, the A3 has a higher-than-average insurance cost of $175 per month, according to our data. That tracks with Audi’s reputation for making luxury vehicles.
The newer your A3, the more you’ll pay for insurance. Newer cars typically cost more to insure because they’re worth more, and repairs or replacements are more expensive. As your car ages and its value drops, your premiums tend to go down.
Here’s a look at average rates for the Audi A3 by model year, according to Compare.com data.
A3 Model Year | Average Monthly Premium |
|---|---|
| 2026 | $210 |
| 2025 | $211 |
| 2024 | $211 |
| 2023 | $211 |
| 2022 | $211 |
| 2021 | $204 |
| 2020 | $194 |
| 2019 | $190 |
| 2018 | $183 |
| 2017 | $180 |
| 2016 | $175 |
| 2015 | $171 |
| 2014 | $169 |
| 2013 | $160 |
| 2012 | $155 |
| 2011 | $151 |
| 2010 | $149 |
| 2009 | $144 |
| 2008 | $142 |
| 2007 | $140 |
| 2006 | $138 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $130 |
| Allstate | $165 |
| GEICO | $181 |
| American Family | $176 |
| AAA | $198 |
| Progressive | $218 |
| Nationwide | $213 |
| Travelers | $223 |
| Farmers | $253 |
| Liberty Mutual | $301 |
| Amica | $568 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $130 |
| Allstate | $167 |
| American Family | $178 |
| GEICO | $182 |
| AAA | $199 |
| Progressive | $220 |
| Nationwide | $215 |
| Travelers | $225 |
| Farmers | $255 |
| Liberty Mutual | $303 |
| Amica | $573 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $130 |
| Allstate | $167 |
| American Family | $178 |
| GEICO | $182 |
| AAA | $199 |
| Nationwide | $215 |
| Progressive | $220 |
| Travelers | $225 |
| Farmers | $255 |
| Liberty Mutual | $303 |
| Amica | $573 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $130 |
| Allstate | $166 |
| American Family | $177 |
| GEICO | $182 |
| AAA | $199 |
| Progressive | $219 |
| Nationwide | $214 |
| Travelers | $224 |
| Farmers | $254 |
| Liberty Mutual | $302 |
| Amica | $571 |
Company | Average Monthly Premium |
|---|---|
| USAA | $118 |
| State Farm | $130 |
| Allstate | $167 |
| American Family | $178 |
| GEICO | $182 |
| AAA | $199 |
| Nationwide | $215 |
| Progressive | $220 |
| Travelers | $225 |
| Farmers | $255 |
| Liberty Mutual | $303 |
| Amica | $573 |
Company | Average Monthly Premium |
|---|---|
| USAA | $114 |
| State Farm | $126 |
| Allstate | $161 |
| American Family | $171 |
| GEICO | $176 |
| AAA | $192 |
| Nationwide | $207 |
| Progressive | $212 |
| Travelers | $216 |
| Farmers | $246 |
| Liberty Mutual | $292 |
| Amica | $552 |
Company | Average Monthly Premium |
|---|---|
| USAA | $109 |
| State Farm | $120 |
| Allstate | $153 |
| American Family | $163 |
| GEICO | $168 |
| AAA | $183 |
| Nationwide | $198 |
| Progressive | $202 |
| Travelers | $206 |
| Farmers | $234 |
| Liberty Mutual | $279 |
| Amica | $526 |
Company | Average Monthly Premium |
|---|---|
| USAA | $107 |
| State Farm | $117 |
| Allstate | $150 |
| American Family | $160 |
| GEICO | $164 |
| AAA | $179 |
| Nationwide | $194 |
| Progressive | $198 |
| Travelers | $202 |
| Farmers | $230 |
| Liberty Mutual | $273 |
| Amica | $516 |
Company | Average Monthly Premium |
|---|---|
| USAA | $103 |
| State Farm | $113 |
| Allstate | $145 |
| American Family | $154 |
| GEICO | $158 |
| AAA | $173 |
| Nationwide | $186 |
| Progressive | $191 |
| Travelers | $195 |
| Farmers | $221 |
| Liberty Mutual | $263 |
| Amica | $497 |
Company | Average Monthly Premium |
|---|---|
| USAA | $101 |
| State Farm | $111 |
| Allstate | $142 |
| American Family | $151 |
| GEICO | $155 |
| AAA | $170 |
| Nationwide | $183 |
| Progressive | $187 |
| Travelers | $192 |
| Farmers | $217 |
| Liberty Mutual | $258 |
| Amica | $488 |
Company | Average Monthly Premium |
|---|---|
| USAA | $98 |
| State Farm | $108 |
| Allstate | $138 |
| American Family | $147 |
| GEICO | $151 |
| AAA | $165 |
| Nationwide | $178 |
| Progressive | $182 |
| Travelers | $186 |
| Farmers | $211 |
| Liberty Mutual | $251 |
| Amica | $473 |
Company | Average Monthly Premium |
|---|---|
| USAA | $96 |
| State Farm | $105 |
| Allstate | $135 |
| American Family | $144 |
| GEICO | $147 |
| AAA | $161 |
| Nationwide | $174 |
| Progressive | $178 |
| Travelers | $182 |
| Farmers | $206 |
| Liberty Mutual | $245 |
| Amica | $463 |
Your location affects your car insurance in many ways. Where you live, work, and drive all tie into risks like weather events, accident rates, claims costs, and the number of uninsured drivers in your area. States with more densely populated areas or a large number of uninsured drivers usually have higher average premiums.
Check out this map for the average monthly premiums for the Audi A3 across states, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $144 |
| Arizona | $166 |
| Arkansas | $154 |
| California | $188 |
| Colorado | $188 |
| Connecticut | $261 |
| Delaware | $218 |
| Florida | $204 |
| Georgia | $233 |
| Hawaii | $115 |
| Idaho | $98 |
| Illinois | $96 |
| Indiana | $145 |
| Iowa | $119 |
| Kansas | $136 |
| Kentucky | $181 |
| Louisiana | $196 |
| Maine | $138 |
| Maryland | $278 |
| Massachusetts | $128 |
| Michigan | $211 |
| Minnesota | $159 |
| Mississippi | $166 |
| Missouri | $138 |
| Montana | $137 |
| Nebraska | $81 |
| Nevada | $107 |
| New Hampshire | $132 |
| New Jersey | $80 |
| New Mexico | $247 |
| New York | $133 |
| North Carolina | $232 |
| North Dakota | $201 |
| Ohio | $113 |
| Oklahoma | $157 |
| Oregon | $140 |
| Pennsylvania | $147 |
| Rhode Island | $201 |
| South Carolina | $224 |
| South Dakota | $126 |
| Tennessee | $130 |
| Texas | $200 |
| Utah | $137 |
| Vermont | $164 |
| Virginia | $131 |
| Washington | $155 |
| Washington D.C. | $288 |
| West Virginia | $111 |
| Wisconsin | $135 |
| Wyoming | $103 |
Drivers with more experience generally pay lower Audi A3 insurance rates. Younger drivers, especially teens, have the highest rates because of their inexperience and higher crash risks.[3]
Insurers reward your time behind the wheel. Rates typically drop through your 20s and 30s, then level off before rising again later in life. Seniors typically enjoy the lowest car insurance rates because they drive fewer miles and make fewer claims.[4]
The table below shows average monthly premiums by age group, based on our data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $336 |
| Adults | $175 |
| Seniors | $151 |
Auto insurance rates for young Audi A3 drivers are higher because teens have greater crash risks and less experience behind the wheel than older drivers. Drivers aged 16–19 are involved in fatal crashes nearly three times more than adults, largely due to inexperience, speeding, and distractions, according to the U.S. Centers for Disease Control and Prevention (CDC).
The chart below shows average rates for young drivers from different insurers, based on our data.
Senior drivers usually have the lowest insurance rates of any age group because they have more experience, drive fewer miles, and have safer driving habits. Older drivers tend to follow the rules of the road and avoid driving at risky times, like rush hour or in bad weather.[5]
The chart below shows average premiums for senior drivers from top insurance companies, according to Compare.com data.
Your driving record plays one of the biggest roles in your Audi A3 insurance rate. Safe drivers with clean records pay less because insurers view them as less likely to file a claim. On the other hand, accidents, speeding tickets, or driving under the influence (DUI) convictions lead to higher premiums because they’re a sign you’ll file future claims.
But even with violations, you still have options for Audi A3 insurance. Some companies specialize in helping drivers with past incidents find affordable coverage.
The table below shows average insurance costs based on driving record, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $175 |
| Speeding ticket | $235 |
| At-fault accident | $250 |
| DUI | $294 |
Rates can rise sharply after a traffic violation or DUI, sometimes by more than 50%. For example, an Audi A3 driver with a DUI pays about $120 more each month than one with a clean record.
Getting a speeding ticket in your A3 can mean more than just points on your license. It can also increase your car insurance premium. Insurers know that speeding increases your risk of getting into an accident and filing a claim.[6] So they’ll raise your rates if you get a speeding ticket.
The severity of the ticket matters, too. Going just a few miles over the limit might raise rates slightly, but excessive speeding often leads to steeper increases.
The chart below shows average Audi A3 insurance rates by company for drivers with a speeding ticket, based on our data.
After an at-fault accident, Audi A3 drivers typically pay higher insurance rates. Claims exceeding a certain amount will trigger an increase, but how much and for how long it applies depends on the insurer.[7]
The table below shows average Audi A3 insurance rates for drivers with an at-fault accident on their record, based on Compare.com data.
A DUI signals to companies that you’re a very high risk to insure. A blood alcohol level of .08 — the legal limit in most states — makes you four times more likely to get into an accident than a sober person, according to the National Highway Traffic Safety Administration (NHTSA).[8] Insurers respond to DUIs with higher rates, and some may decide not to renew your policy.
You’ll also probably need your insurer to file an SR-22 or FR-44 form with the state to prove you have the required insurance before you can get your license back.
Here’s a look at Audi A3 insurance rates for drivers with a DUI, according to Compare.com data.
Many features of your Audi A3 affect your car insurance rates, including:
More expensive cars cost more to insure. The base model 2026 A3 40 TFSI Premium costs $41,395, likely making it cheaper to insure than the more expensive A3 40 TFSI Premium Plus, which starts at $44,295.
The luxury sedan comes standard with all-wheel drive, a turbocharged engine, and high-quality components, which increase claim costs and your insurance rates.
Earlier Audi A3 models earned top safety ratings from the Insurance Institute for Highway Safety (IIHS) and the NHTSA.[9] But newer models haven’t. This may raise premiums, though features like forward collision warning may still earn you a safety features discount.
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You can reduce your Audi A3 insurance costs with a few smart strategies. Try these tips for lower rates:
Try to raise your credit. Insurers may use your credit history to determine rates. Drivers with good credit can get cheaper premiums than drivers with poor credit.
Consider your coverage options. If you have a newer A3, you may need full coverage. But older A3 owners may need only liability coverage.
Raise your deductible. Increasing your deductibles will lower your monthly premium, but you’ll pay more if you file a claim.
Compare quotes. Comparing car insurance quotes from different companies can help you find the cheapest rates for your A3.
Get personalized quotes and get the best price for your A3 coverage.
If you drive an Audi A3, you likely have questions about how to find the right coverage. Here are answers to some common questions drivers ask about protecting their A3.
Yes. The Audi A3 has higher-than-average car insurance costs. The overall average to insure an Audi A3 is $175 per month, according to Compare.com data. By comparison, the overall average for all vehicles is $163 monthly.
USAA offers the cheapest average rates for Audi A3 drivers, at $98 per month. But you’ll only qualify for a USAA policy if you’re a member of the military community. State Farm and Allstate offer wider availability and competitive rates for A3 drivers, at $108 and $138 per month, respectively.
The average cost of car insurance for a 2025 A3 is $211 per month, according to Compare.com data. But exactly how much you pay depends on several factors, like your age, location, and driving record.
The Audi TT is the cheapest Audi model to insure, at an average of $148 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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