- An Audi RS3 is more expensive to insure compared to the average car.
- Liability only auto insurance prices for a RS3 average around $72 a month, while full coverage normally averages about $241.
- At sometimes as little as $41 per month for liability only coverage, Dairyland is the lowest insurance carrier for a RS3.
In This Article
With 2019 models starting at $56,200, the Audi RS3 is a high-end car for drivers with extra room in their budgets.
After analyzing thousands of car insurance quotes through Compare.com, we've found that Audi RS3 insurance rates are around $205 monthly, on average. But how does that fare against its competitors?
|Current Base Price||$56,200|
|Average Insurance Premium||$205/mo.|
|Cheapest Insurance Company||Dairyland|
How Much is Car Insurance for an Audi RS3?
|Vehicle||Liability Only||Full Coverage|
|All Audi Models||$80||$190|
|Average Insurance Premium||$81||$169|
In the table above, you'll see that Audi RS3 insurance premiums are higher than average compared to other vehicles. RS3 owners can expect to pay about $241 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $72 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).
When you compare it to other models, the RS3 is more expensive, with prices more than 10% higher than the other vehicle types offered by Audi. Compared to offerings from other brands, auto insurance for a RS3 runs close to average, with liability insurance rates $11 cheaper than other cars and full coverage insurance premiums coming in $64 higher.
Compared to all vehicles, regardless of model, body style, or make, liability only prices are lower for a RS3, but run higher than average for full coverage policies.
Who has the Cheapest Car Insurance for an Audi RS3?
|Insurance Company||Average Monthly Premium|
Searching for a car insurance policy for your Audi RS3? You're probably wondering which company offers the most affordable premiums. Even though there will never be one carrier that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $38 a month from Clearcover. The runner up for cheapest rates is Dairyland, with car insurance policies starting as little as just $41 monthly.
Workmens, Mercury, and Kemper round out the rest of the top 5 list. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.
After all, insurance companies look at a bunch of different variables when calculating premiums, so your results might be different. By checking quotes from a wide array of car insurance carriers at once, you can be sure you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for an Audi RS3?
There are a bunch of attributes that auto insurance companies examine to calculate how much they charge for insurance -- and every company uses a different algorithm, so there's not one single carrier that's the lowest for each RS3 owner.
The sections below show multiple things auto insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$44|
|4-5 Years||Not Enough Data|
|6-7 Years||Not Enough Data|
|8-10 Years||Not Enough Data|
|11-14 Years||Not Enough Data|
|15 Years or Older||Not Enough Data|
Since the Audi RS3 has only been around for two or three model years, vehicle age won't come into play the same way it might for other vehicles. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and RS3s begin to depreciate, insurance costs will gradually decrease.
As you can see in the information above, RS3 premiums are between $44 and $88 a month, on average.
|Age||Average Monthly Premium|
How old you are plays a significant role in how much car insurance companies will charge you for insurance. Because the Audi RS3 is pretty new to the market, we're just starting to collect data on how age is affecting auto insurance rates. So far, based on the table above, older drivers pay less for car insurance compared to young RS3 drivers. Audi RS3 drivers between 18 and 24 actually pay more than twice as much as those 25 or older.
Auto insurance prices continue to go lower as you get older, with the cheapest age group for RS3 drivers being 35-44.
|Gender||Average Monthly Premium|
Because women are less likely to get into collisions and get speeding tickets, they have a decreased chance of filing a claim with insurance. So, women generally pay less for auto insurance than men.
Where You Live
|State||Average Monthly Premium|
It may seem like common sense that factors such as what vehicle you drive and how old you are play a role in your car insurance prices, but you may not realize that where you live can be just as important. Car insurance is regulated on the state level rather than nationally, so rates change quite a bit depending on where you live.
Because the RS3 is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that Pennsylvania has rates that are more expensive than other states.
Audi RS3 Car Insurance Discounts
Whatever your car, your age, or your home state, it's always in your best interest to take advantage of as many insurance discounts as possible.
Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:
- Multi-policy discounts for using the same insurance carrier for both your home and car insurance
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like air bags or anti-lock brakes)
- Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than by monthly payments
- Multi-vehicle discounts for having more than one car on your auto policy
These are just a few of the discounts auto insurance carriers offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like driving safely, avoiding lapses in coverage, and not having recent insurance claims.
While you can't control every single aspect of your insurance profile (like some of the factors we mentioned above), you can influence some of it. Below are just a few of the variables you can use to your advantage in order to save money on auto insurance:
Your Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
You've probably observed ads from insurance companies posting hefty discounts for responsible drivers. It follows that your car insurance premiums will get higher if you get cited for speeding or get into an accident. But you're probably wondering exactly how much these infractions can cost you.
Unfortunately, we don't have enough data on file for Audi RS3 drivers specifically, since it is a relatively new car. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost RS3 drivers when it comes to insurance.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
The total amount of miles you drive annually plays a role when it comes to your auto insurance rates. Drivers who are on the roads less often are less likely to get tickets, so they'll usually be offered less expensive prices. Since the Audi RS3 is a new car, our data is relatively limited, so we don't yet know how much annual driving distance will affect premiums. So far, the most expensive rates are offered to drivers who drive 10,000+ miles a year.
If you don't drive much because you work from home or have a second vehicle, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Audi RS3s Compare to Other Vehicles?
If you're considering purchasing a new car and an Audi RS3 is on your shortlist, it might be helpful to do your homework. Insurance is just one cost that comes with a new car purchase, but it's certainly one that's worth considering.
Check out the table below to see how the Audi RS3 stacks up:
|Audi RS3||National Average|
|Full Coverage Insurance||$185||$169|
|Average Annual Mileage||10,218||11,617|
With an MSRP that's more than the going rate for a new vehicle, the Audi RS3 is on the more expensive side when it comes to price. While the national average vehicle price is $46,074, the RS3 comes in above that at $56,200.
Unlike the RS3's higher price, insurance prices run slightly below average when compared to other vehicles on the market. Full coverage insurance for an Audi RS3 is around $16 per month more than average, while liability only coverage is over $30 less per month.
However, it is worth noting that the RS3 drivers tend to use their cars less than the average American driver, with only 10,218 annual miles for the average owner.
Audi RS3 Car Insurance Costs by Model Year
You've seen how different factors can have an impact on what you'll pay for auto insurance. But if you're in thinking about buying a new car, truck, or SUV and the RS3 is on your wishlist, knowing what you can expect to pay for the specific vehicle you're looking at can be extremely helpful as you weigh your options.
2019 Audi RS3 Car Insurance
|Liability Only Avg. Premium||$46|
|Full Coverage Avg. Premium||$185|
|Cheapest Insurance Company||Clearcover - $39/mo.|
The average cost to insure a 2019 RS3 with liability only coverage is $46 a month, while full coverage runs about $185 monthly.
If you're looking for the cheapest possible 2019 Audi RS3 insurance policy, Clearcover offered the cheapest policy we found, with rates as low as $39 per month.
Interested in what your insurance premium will be? Get lots of customized quotes for free by just entering your ZIP code below.
2018 Audi RS3 Car Insurance
|Liability Only Avg. Premium||$97|
|Full Coverage Avg. Premium||$287|
|Cheapest Insurance Company||Clearcover - $32/mo.|
It costs around $97 monthly for liability or $287 for a full coverage policy for the 2018 Audi RS3.
We found Clearcover offered the most affordable policy, with rates sometimes as low as $32 a month.
While these are good estimates of what the average driver might pay to insure a 2018 Audi RS3, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.
2017 Audi RS3 Car Insurance
|Liability Only Avg. Premium||$41|
|Cheapest Insurance Company||Dairyland - $41/mo.|
You can expect full coverage for a 2017 RS3 to run about undefined per month, while liability only coverage will average around $41 monthly.
Dairyland offered the lowest policy we found, with rates as little as $41 per month.
If you want to find the best prices for car insurance for a 2017 Audi RS3, enter your ZIP code below and compare numerous personalized quotes in just a few minutes.
Audi RS3 Insurance FAQs
Is an Audi RS3 expensive to insure?
Liability insurance runs an average of $72 a month, while full coverage will cost you around $241. When compared to the national average of all vehicles, premiums come in on the more expensive end of the spectrum.
How can I get the best price on car insurance for my Audi RS3?
The only way to confirm you're getting the cheapest price on auto insurance is to regularly shop around and compare quotes from a lot of carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from quite a few companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) for free.
Does the color of my Audi RS3 affect my insurance prices?
Have you heard the old adage that it costs more to insure a red car before? Well, that's just a myth. Although there are multiple things insurance carriers use when they decide how much to charge you, the color of your vehicle is not on that list.
Do I need to have insurance before I buy an Audi RS3?
You'll need to have an insurance policy in place before you can legally driver your new (or new to you) Audi RS3 off the dealership lot. Some dealerships might offer you an auto insurance policy as part of the car-buying process, but it's best to let your auto insurance carrier know before you buy.
What car insurance discounts can I get for my Audi RS3?
There are all sorts of discounts out there when it comes to car insurance. Many of them (like "multi-policy discounts" and "safe driver discounts") are based less on your car and more on you, but if your RS3 has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to reach out to your insurance company and ask about their discounts, since they vary quite a bit from company to company.