Audi A3 Car Insurance Quotes (2026)
On average, Audi A3 drivers pay $237 per month for full coverage and $126 per month for liability-only coverage.
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Kat TretinaInsurance and Personal Finance Writer
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Certified Financial Counselor
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Edited byChris Schafer
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Chris SchaferDeputy Managing Editor, News and Marketing Content
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7+ years in business and financial services content
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John LeachLicensed P&C Agent, Chief Copy Editor
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The Audi A3 is a small sedan from the luxury automaker. As demand for sedans has decreased, so have the sales numbers for the A3. Audi sold 2,260 A3 vehicles in the first quarter of 2025, down 39% from the first quarter of 2024.[1]
But car insurance for the Audi A3 is fairly expensive. A full-coverage policy averages $237 per month, while liability policies average $126 per month. Those numbers are in line with the rates for other luxury automakers, like BMW and Mercedes.
If you have an Audi A3, here’s what else you need to know before securing coverage for this vehicle.
Quick Facts
Audi vehicles tend to have higher repair and maintenance costs, so auto coverage is usually more expensive.
On average, people who drive a 2025 Audi A3 pay $3,660 per year for full coverage — 56% higher than the national average for all vehicles.
USAA, GEICO, and State Farm usually have the lowest car insurance rates for the Audi A3.
Cost of Audi A3 insurance by model year
Many factors affect your car insurance premiums, including your age, gender, location, driving history, credit history, and coverage limits. Your car’s year, make, and model also play a major role in determining your rate.
Coverage for new Audi A3 vehicles is usually more expensive than coverage for older model years. For example, the average cost of full coverage for a 2025 A3 is $305 per month, while full coverage for a 2016 model is $238 per month.
Here, you can see the average full-coverage rates for different Audi A3 model years.
Model Year | Average Monthly Quote |
|---|---|
| 2025 | $305 |
| 2024 | $294 |
| 2023 | $294 |
| 2022 | $281 |
| 2021 | $267 |
| 2020 | $260 |
| 2019 | $256 |
| 2018 | $249 |
| 2017 | $243 |
| 2016 | $238 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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2025 Audi A3 insurance
The 2025 Audi A3 had a starting manufacturer’s suggested retail price (MSRP) of $39,495 — about 7% higher than the MSRP of the 2024 model. On average, drivers pay $256 per month for full-coverage insurance for the Audi A3 and $147 per month for liability-only coverage.
Below, the table highlights the average monthly full-coverage rates from different insurers for the 2025 Audi A3.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $153 |
| State Farm | $183 |
| Allstate | $204 |
| GEICO | $226 |
| American Family | $235 |
| Progressive | $241 |
| Nationwide | $281 |
| Travelers | $296 |
| Farmers | $357 |
| Liberty Mutual | $387 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2024 Audi A3 insurance
The starting MSRP for the 2024 Audi A3 — $36,895 — was slightly higher than the starting MSRP for the 2023 model year.[2] Full-coverage policies average $294 per month, and liability-only coverage averages $156 per month.
The table below highlights full-coverage rates from top insurers for this model year.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $147 |
| State Farm | $176 |
| Allstate | $197 |
| GEICO | $218 |
| American Family | $226 |
| Progressive | $232 |
| Nationwide | $270 |
| Travelers | $285 |
| Farmers | $344 |
| Liberty Mutual | $373 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2023 Audi A3 insurance
The 2023 Audi A3 started at $36,495.[3] Full-coverage policies average $294 per month, and liability-only coverage averages $156 per month.
The table below highlights some of the lowest full-coverage rates available for this model year.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $147 |
| State Farm | $176 |
| Allstate | $197 |
| GEICO | $218 |
| American Family | $226 |
| Progressive | $232 |
| Nationwide | $270 |
| Travelers | $285 |
| Farmers | $344 |
| Liberty Mutual | $373 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2022 Audi A3 insurance
The starting MSRP for the 2022 Audi A3 — $35,895 — was about $1,400 higher than the starting MSRP for the 2021 model year. Unsurprisingly, car insurance rates also increased. On average, full-coverage policies cost $281 per month, and liability-only coverage costs $149 per month.
Below are full-coverage quotes from leading insurers for the 2022 A3.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $141 |
| State Farm | $169 |
| Allstate | $188 |
| GEICO | $208 |
| American Family | $216 |
| Progressive | $222 |
| Nationwide | $259 |
| Travelers | $273 |
| Farmers | $329 |
| Liberty Mutual | $357 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2021 Audi A3 insurance
The base MSRP of the Audi A3 was $34,500. Full-coverage policies average $267 per month, and liability-only policies average $142 per month.
This table showcases some of the cheapest car insurance rates for the 2021 Audi A3.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $134 |
| State Farm | $160 |
| Allstate | $179 |
| GEICO | $198 |
| American Family | $206 |
| Progressive | $211 |
| Nationwide | $246 |
| Travelers | $259 |
| Farmers | $312 |
| Liberty Mutual | $339 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2020 Audi A3 insurance
The starting MSRP for the 2020 Audi A3 was $34,295. On average, the monthly premium for full-coverage insurance is $260 per month, and liability coverage averages $138 per month.
The table below highlights full-coverage rates for this model year.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $130 |
| State Farm | $156 |
| Allstate | $174 |
| GEICO | $192 |
| American Family | $200 |
| Progressive | $205 |
| Nationwide | $239 |
| Travelers | $252 |
| Farmers | $304 |
| Liberty Mutual | $330 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2019 Audi A3 insurance
The 2019 Audi A3 had an MSRP starting at $33,495, about $500 more than the 2018’s starting MSRP. Full-coverage policies average $256 per month, and liability-only policies average $136 per month.
Below are sample quotes from leading insurers for the 2019 Audi A3.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $128 |
| State Farm | $154 |
| Allstate | $172 |
| GEICO | $189 |
| American Family | $197 |
| Progressive | $202 |
| Nationwide | $236 |
| Travelers | $248 |
| Farmers | $300 |
| Liberty Mutual | $325 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2018 Audi A3 insurance
The base model of the Audi A3 had a starting MSRP of $32,925. On average, full-coverage policies cost $249 per month, and liability-only coverage averages $132 per month.
Full-coverage insurance pricing from some of the largest insurers appears in the table below.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $125 |
| State Farm | $149 |
| Allstate | $167 |
| GEICO | $184 |
| American Family | $192 |
| Progressive | $197 |
| Nationwide | $229 |
| Travelers | $242 |
| Farmers | $291 |
| Liberty Mutual | $316 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2017 Audi A3 insurance
When new, the MSRP for the 2017 Audi A3 started at $32,150. On average, full-coverage policies cost $243 per month, and liability-only policies cost $129.
Below are the cheapest car insurance rates for the 2017 Audi A3.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $122 |
| State Farm | $146 |
| Allstate | $163 |
| GEICO | $180 |
| American Family | $187 |
| Progressive | $192 |
| Nationwide | $224 |
| Travelers | $236 |
| Farmers | $284 |
| Liberty Mutual | $309 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
2016 Audi A3 insurance
The 2016 Audi A3 had an MSRP of $31,825 when it was launched. On average, full-coverage policies for this model year cost $238 per month, while liability-only policies average $126 per month.
The table below shows average full-coverage rates from top insurers.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $119 |
| State Farm | $143 |
| Allstate | $159 |
| GEICO | $176 |
| American Family | $183 |
| Progressive | $188 |
| Nationwide | $219 |
| Travelers | $231 |
| Farmers | $278 |
| Liberty Mutual | $302 |
Disclaimer: Table data is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Average cost of Audi insurance by state
Where you live affects the cost of your insurance coverage. Areas with higher incidences of accidents, weather events, theft, or uninsured drivers typically have higher rates.
The below table highlights the average monthly Audi insurance premiums across all models by state. Alaska and Hawaii are not included due to insufficient data.
Full-Coverage Rates by State
State | Average Monthly Quote |
|---|---|
| Alabama | $167 |
| Arizona | $204 |
| Arkansas | $300 |
| California | $282 |
| Colorado | $257 |
| Connecticut | $392 |
| Delaware | $288 |
| Florida | $269 |
| Georgia | $292 |
| Idaho | $146 |
| Illinois | $199 |
| Indiana | $169 |
| Iowa | $142 |
| Kansas | $193 |
| Kentucky | $254 |
| Louisiana | $260 |
| Maine | $176 |
| Maryland | $397 |
| Massachusetts | $208 |
| Michigan | $324 |
| Minnesota | $229 |
| Mississippi | $243 |
| Missouri | $226 |
| Montana | $194 |
| Nebraska | $205 |
| Nevada | $329 |
| New Hampshire | $132 |
| New Jersey | $208 |
| New Mexico | $186 |
| New York | $551 |
| North Carolina | $110 |
| North Dakota | $161 |
| Ohio | $151 |
| Oklahoma | $208 |
| Oregon | $188 |
| Pennsylvania | $202 |
| Rhode Island | $173 |
| South Carolina | $316 |
| South Dakota | $151 |
| Tennessee | $175 |
| Texas | $276 |
| Utah | $214 |
| Vermont | $177 |
| Virginia | $225 |
| Washington | $187 |
| District of Columbia | $402 |
| West Virginia | $183 |
| Wisconsin | $155 |
| Wyoming | $139 |
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How to ensure you have enough coverage on your Audi A3
Although most U.S. states require drivers to have minimum amounts of liability car insurance, this type of insurance won’t cover damage to your vehicle.
If you’re thinking of buying a new or used Audi A3, you may want to consider adding the following coverages to your policy for more financial protection:
Collision coverage
Collision insurance pays to repair damages to your car after an accident. It typically has a deductible, but this type of insurance will cover up to the total cost of your car’s value.
Comprehensive coverage
Comprehensive insurance pays for repairs for your vehicle for damages that occur outside of accidents. For example, if you hit a deer or a pothole, comprehensive insurance helps cover the cost of repairing your vehicle.
Gap coverage
More than 80% of people finance new cars with auto loans. If you finance a new Audi, you may need gap insurance for added protection. Gap insurance covers the difference between your car’s current value and your remaining loan balance if your car is stolen or totaled in an accident.
Roadside assistance coverage
Roadside assistance is an optional add-on to an insurance policy. It covers basic emergencies, like towing a broken-down car to the nearest repair shop, jump-starting a dead battery, or changing a flat tire. Considering that Audi vehicles don’t have the best reputation for reliability, roadside assistance can be well worth the cost for peace of mind.[4]
Audi A3 car insurance FAQs
If you own an Audi A3 or are thinking of buying this luxury sedan, the following information can help you shop for the appropriate car insurance.
Which company has the cheapest Audi A3 insurance?
For full-coverage policies, USAA, GEICO, and State Farm have the lowest average premiums for the Audi A3, Insurify data shows.
How much does it cost to insure an Audi A3?
On average, it costs $237 per month to insure the Audi A3 — $42 more than the industry average for all vehicles. For liability-only policies, the average cost is $126 per month for the Audi A3.
Are Audi A3s expensive to insure?
Compared to the industry average premiums, Audi A3 vehicles are relatively expensive to insure. Like other luxury cars, the Audi A3 tends to have higher maintenance and repair costs than other cars. Along with their higher price tags, they’re costlier to insure.
Is an Audi A3 a good car to buy?
Whether the Audi A3 is a good purchase depends on your budget, vehicle preferences, and your willingness to take on maintenance. Audi was ranked below average for dependability in the J.D. Power 2025 U.S. Vehicle Dependability Study, so keep that in mind when weighing your options.
Sources
- Audi. "Audi of America reports 2025 first quarter sales."
- Kelley Blue Book. "2024 Audi A3."
- Kelley Blue Book. "Used 2023 Audi A3."
- J.D. Power. "Vehicle Dependability Still Suffering Due to Pandemic Aftershocks, J.D. Power Finds."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Featured in
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in