UPDATED: Jun 29, 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
Every driver wants to save on Audi S3 insurance rates. Good drivers can save as much as $608 a year by earning policy discounts. Our comprehensive guide goes over insurance rates for an Audi S3, so drivers can better understand how to cut costs.
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 car insurance rates are $1,474 a year or $123 a month.
Are Audi S3s Expensive to Insure?
The chart below details how Audi S3 insurance rates compare to other sedans like the Volkswagen Passat, Chevrolet Sonic, and Ford Focus.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Audi S3 | $356 | $744 | $264 | $1,474 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Chevrolet Sonic | $270 | $536 | $398 | $1,362 |
| Ford Focus | $244 | $536 | $398 | $1,336 |
| Audi S4 | $370 | $744 | $338 | $1,588 |
| Toyota Avalon | $320 | $536 | $338 | $1,330 |
| Nissan Altima | $306 | $570 | $390 | $1,424 |
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 can impact the total price you will pay for Audi S3 auto insurance coverage.
Age of the Vehicle
Older Audi S3 models generally cost less to insure. For example, car insurance rates for a 2018 Audi S3 are $1,474, while 2015 Audi S3 rates 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 |
Driver Age
Driver age can have a significant effect on Audi S3 car insurance rates. For example, 30-year-old drivers pay $65 more for Audi S3 car 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 $899 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Audi S3 car insurance. Teens and drivers in their 20’s see the highest jump in their Audi S3 auto insurance rates with violations on their driving record.
Audi S3 Safety Ratings
Your Audi S3 car insurance rates are tied to the safety ratings of the Audi S3. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| Moderate overlap front | N/R |
| Side | N/R |
| Roof strength | N/R |
| Head restraints and seats | N/R |
| Source: Insurance Institute for Highway Safety | |
Audi S3 Crash Test Ratings
Poor Audi S3 crash test ratings could mean higher 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 | ||||
|---|---|---|---|---|
Audi S3 Safety Features
The numerous safety features of the Audi S3 help contribute to lower insurance rates. The 2020 Audi S3 has the following safety features:
- Electronic Stability Control (ESC)
- ABS And Driveline Traction Control
- Side Impact Beams
- Dual Stage Driver And Passenger Seat-Mounted Side Airbags
- Front And Rear Parking Sensors
- Audi pre-sense front
- Low Tire Pressure Warning
- Dual Stage Driver And Passenger Front Airbags
- Sideguard Curtain
- 1st And 2nd Row Airbags
- Airbag Occupancy Sensor
- Driver And Passenger Knee Airbag
- Rear Child Safety Locks
- Outboard Front Lap And Shoulder Safety Belts
- Back-Up Camera
Audi S3 Finance and Insurance Cost
If you are financing an 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 quotes from the best auto insurance companies using our FREE tool below.
Ways to Save on Audi S3 Insurance
Save more on your Audi S3 car insurance rates. Take a look at the following five strategies that will get you the best Audi S3 auto insurance rates possible.
- Pay Your Bills On Time — Especially Audi S3 Payments and Insurance
- Use a Service Like Turo to Rent Out Your Audi S3
- Avoid the Temptation to File a Claim for Minor Incidents
- Carpool to Work Instead of Driving Your Audi S3
- Move to the Countryside
Top Audi S3 Insurance Companies
The best auto insurance companies for Audi S3 car insurance rates will offer competitive rates, discounts, and account for the Audi S3’s safety features. The following list of car insurance companies outlines which companies hold the highest 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 | |||
Compare Free Audi S3 Insurance Quotes Online
Save on your Audi S3 car insurance rates by taking advantage of our FREE comparison tool.