1. Vehicles
  2. Audi
  3. A3
  4. 2016 Model Year

2016 Audi A3 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 11, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for an 2016 Audi A3 are $1,360 a year with full coverage. Comprehensive costs around $248 a year, collision costs $512, and liability costs around $442. Buying a liability-only policy costs as low as $496 a year, with high-risk insurance costing around $2,968. Teen drivers receive the highest rates at $5,214 a year or more.

Annual premium for full coverage: $1,360

Rate estimates for 2016 Audi A3 Insurance

Comprehensive $248
Collision $512
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2016 Audi A3 models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for a discount liability-only rate to a high of $2,968 for a high risk driver.

Liability Only $496
Full Coverage $1,360
High Risk $2,968

View Chart as Image

2016 Audi A3 insurance rates compared
Column chart showing 2016 Audi A3 insurance prices range from $777 to $5,214 for full coverage

These differences demonstrate why it is important for drivers to compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2016 Audi A3 Insurance

Searching Companies

Looking for better insurance rates for your Audi A3? Paying for high-priced Audi A3 insurance can empty your bank account and force you to make sacrifices. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. With so many companies and agents to choose from, it can be hard to find the most cost effective company.

It’s a good habit to shop coverage around yearly due to the fact that insurance rates trend upward over time. Just because you had the lowest price for A3 insurance two years ago there may be better deals available now. You can find a lot of misleading information regarding insurance online, so I’m going to show you some great ideas on how to quit paying high insurance rates.

Pricing the cheapest coverage is not that difficult. If you have a policy now or are just looking to switch companies, you can learn to find better prices and possibly find even better coverage. Vehicle owners only need an understanding of the proper methods to compare price quotes on the web.

Car Insurance Comparison Rates

Finding lower car insurance rates is surprisingly easy. Consumers just need to invest a little time to compare rate quotes provided by online insurance companies. This can be accomplished using a couple different methods.

  1. Probably the best way consumers can make multiple comparisons is to use a rate comparison form like this one (opens in new window). This easy form prevents you from having to do repetitive form submissions for each company you want a rate for. A single, simple form compares rates from multiple low-cost companies.
  2. Another way to obtain and compare quotes online requires you to visit each company’s website and complete a new quote form. For sake of this example, let’s say you want rates from Liberty Mutual, Progressive and State Farm. To get each rate you have to go to every website to enter your coverage information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended way to get comparison rates is to spend time driving to insurance agents’ offices. The internet can eliminate the need for a local agent unless you want the trained guidance that only a license agent can provide. It is possible to comparison shop your insurance online but still have the advice of a local agent and you’ll learn how to do that later.

However you get your quotes, make absolute certain that you use identical coverages and limits for each comparison quote. If the quotes have higher or lower deductibles it will be very difficult to determine the best price for your Audi A3.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Insurance agents can help

When it comes to buying the right insurance coverage for your vehicles, there really is not a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • When does my teenage driver need to be added to my policy?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered if my car is in a flood?
  • Is a blown tire covered by insurance?
  • Is rental equipment covered for theft or damage?
  • Do I need motorclub coverage?
  • How high should deductibles be on a 2016 Audi A3?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverages 101

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages available from auto insurance companies.

Comprehensive insurance – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from getting keyed, falling objects, vandalism, a tree branch falling on your vehicle and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Audi A3.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently these limits do not exceed the liability coverage limits.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car, backing into a parked car, hitting a mailbox and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Liability – This coverage will cover damages or injuries you inflict on other people or property in an accident. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as medical services, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like X-ray expenses, pain medications and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2016 Audi A3 Insurance Rates by City
City Premium
New York City, NY $2,151
Los Angeles, CA $2,322
Philadelphia, PA $1,817
Jacksonville, FL $1,972
Phoenix, AZ $1,582
Chicago, IL $1,822
Houston, TX $2,129
Seattle, WA $1,326
Columbus, OH $1,137
Indianapolis, IN $1,159

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2016 Audi A3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,214
20 $3,174
30 $1,412
40 $1,360
50 $1,244
60 $1,222

Full coverage, $500 deductibles

Rates by Deductible

2016 Audi A3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,540
$500 $1,360
$1,000 $1,186

Full coverage, driver age 40

Rates by Liability Limit

Audi A3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,360
50/100 $1,448
100/300 $1,559
250/500 $1,846
100 CSL $1,493
300 CSL $1,736
500 CSL $1,913

Full coverage, driver age 40

Rates for High Risk Drivers

2016 Audi A3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,430
20 $5,064
30 $3,024
40 $2,968
50 $2,836
60 $2,812

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $195

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $74
Homeowner $21
5-yr Accident Free $101
5-yr Claim Free $89
Paid in Full/EFT $62
Advance Quote $68
Online Quote $96
Total Discounts $583
Rate after discounts $777

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2016 Audi A3 Insurance Rates by State
State Premium
Alabama $1,230
Alaska $1,044
Arizona $1,130
Arkansas $1,360
California $1,548
Colorado $1,300
Connecticut $1,400
Delaware $1,538
Florida $1,700
Georgia $1,256
Hawaii $976
Idaho $920
Illinois $1,012
Indiana $1,026
Iowa $918
Kansas $1,294
Kentucky $1,856
Louisiana $2,014
Maine $840
Maryland $1,122
Massachusetts $1,088
Michigan $2,364
Minnesota $1,138
Mississippi $1,630
Missouri $1,206
Montana $1,462
Nebraska $1,072
Nevada $1,630
New Hampshire $978
New Jersey $1,522
New Mexico $1,204
New York $1,434
North Carolina $782
North Dakota $1,114
Ohio $940
Oklahoma $1,396
Oregon $1,246
Pennsylvania $1,298
Rhode Island $1,816
South Carolina $1,230
South Dakota $1,150
Tennessee $1,194
Texas $1,638
Utah $1,008
Vermont $932
Virginia $814
Washington $1,052
West Virginia $1,246
Wisconsin $942
Wyoming $1,214

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles