Audi S3 Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 5, 2023

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How much is insurance on an Audi S3? A luxury car brand, Audi S3s can be expensive to insure with average rates of over $1,400 a year. If you need help reducing rates or just want to learn more about Audi S3 insurance costs, you’ve come to the right place.

Read our Audi S3 review to learn about average rates, crash test ratings, and more. Ready to start shopping for Audi S3 insurance rates today? Enter your ZIP code in our free online tool above.

Estimated auto insurance rates for an Audi S3 are $1,158 annually with full coverage. Comprehensive insurance costs on average $260 each year, collision insurance costs $484, and liability costs around $304. Liability-only insurance costs as low as $346 a year, and high-risk driver insurance costs $2,504 or more. Teens pay the most at up to $4,214 a year.

Average premium for full coverage: $1,158

Premium estimates by type of coverage:

Comprehensive $260
Collision $484
Liability $304

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and S3 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Audi S3 range from as cheap as $346 for the bare minimum liability coverage to a high rate of $2,504 for coverage for higher-risk drivers.

Liability Only $346
Full Coverage $1,158
High Risk $2,504

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine car insurance rates.

Rural Areas $869
Small Cities $1,216
Large Cities $1,563

These rate differences demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on averaged prices.

Use the form below to get customized rates for your location.

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

Additional Rate Information

The chart below details average Audi S3 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $653
  • Using higher $1,000 deductibles will save around $168 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,158
  • Selecting low deductibles for physical damage coverage costs an additional $328 annually
  • High-risk insureds with serious driving violations could pay upwards of $2,504
  • An auto insurance policy with full coverage for a 16-year-old driver may cost $4,214 or more

View Chart as Image

Audi S3 insurance cost comparison chart
Column chart showing Audi S3 insurance prices range from $653 to $4,214 for full coverage

Insurance prices for an Audi S3 also have a wide range based on the model of your S3, your driving record, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,400 to $1,900 additional annually, depending on your age. Insurance for high-risk drivers can be from 45% to 135% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $500 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $273 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi S3 insurance prices. A driver around age 40 might see prices as low as $840 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,560 on average in Florida, Michigan, and New York.

Audi S3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,046 -$112 -9.7%
Alaska $888 -$270 -23.3%
Arizona $962 -$196 -16.9%
Arkansas $1,158 -$0 0.0%
California $1,318 $160 13.8%
Colorado $1,104 -$54 -4.7%
Connecticut $1,190 $32 2.8%
Delaware $1,310 $152 13.1%
Florida $1,446 $288 24.9%
Georgia $1,070 -$88 -7.6%
Hawaii $832 -$326 -28.2%
Idaho $784 -$374 -32.3%
Illinois $862 -$296 -25.6%
Indiana $872 -$286 -24.7%
Iowa $784 -$374 -32.3%
Kansas $1,098 -$60 -5.2%
Kentucky $1,576 $418 36.1%
Louisiana $1,716 $558 48.2%
Maine $712 -$446 -38.5%
Maryland $954 -$204 -17.6%
Massachusetts $924 -$234 -20.2%
Michigan $2,012 $854 73.7%
Minnesota $970 -$188 -16.2%
Mississippi $1,388 $230 19.9%
Missouri $1,026 -$132 -11.4%
Montana $1,244 $86 7.4%
Nebraska $912 -$246 -21.2%
Nevada $1,388 $230 19.9%
New Hampshire $836 -$322 -27.8%
New Jersey $1,294 $136 11.7%
New Mexico $1,022 -$136 -11.7%
New York $1,220 $62 5.4%
North Carolina $664 -$494 -42.7%
North Dakota $946 -$212 -18.3%
Ohio $800 -$358 -30.9%
Oklahoma $1,186 $28 2.4%
Oregon $1,062 -$96 -8.3%
Pennsylvania $1,104 -$54 -4.7%
Rhode Island $1,542 $384 33.2%
South Carolina $1,048 -$110 -9.5%
South Dakota $976 -$182 -15.7%
Tennessee $1,014 -$144 -12.4%
Texas $1,396 $238 20.6%
Utah $856 -$302 -26.1%
Vermont $790 -$368 -31.8%
Virginia $694 -$464 -40.1%
Washington $892 -$266 -23.0%
West Virginia $1,062 -$96 -8.3%
Wisconsin $802 -$356 -30.7%
Wyoming $1,030 -$128 -11.1%

View Chart as Image

Audi S3 insurance rates by U.S. city
Audi S3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2015 Audi S3 $260 $484 $304 $1,158

Rates are averaged for all Audi S3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Best Cheap Audi S3 Insurance

Finding better rates on insurance for an Audi S3 requires having a good driving record, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest time comparing rates at least once a year by quoting rates from direct companies, and also from local independent and exclusive agents.

The next list is a quick review of the primary concepts that were covered in the charts and tables above.

  • You may be able to save as much as $140 per year just by quoting online in advance
  • Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,350 more each year to buy Audi S3 insurance
  • Increasing policy deductibles could save up to $500 each year
  • Drivers age 20 and younger pay higher prices, possibly costing $351 per month if they have full coverage

You can save almost $200 by getting quotes. What is the cheapest Audi to insure? If you want to get started on finding rates for your vehicle to find out how much is Audi S3 insurance to much is insurance for an Audi A4, enter your ZIP code in our free tool below.

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Audi S3 Size and Class and Liability Insurance

What does liability insurance cover? This coverage will cover other driver’s costs (medical and property damages) if you caused the accident. This is why the size and class of your vehicle influence your liability rates.

If your vehicle is large, heavy, or prone to crashing, it means that your vehicle is at a higher risk of damaging other vehicles/people. This will result in your liability rates being higher.

The Audi S3 is a compact luxury sedan, so it isn’t a very large car. This means that if you are in an accident, it is unlikely that the car you hit will be crushed unless it is smaller. However, luxury usually means that the car has a more powerful engine and acceleration. Insurers sometimes raise rates for these cars because luxury cars are more likely to be crashed.

While your liability rates will depend upon what company you choose, such as Greenlight Insurance or State Farm insurance, rates should be within a similar price range. To find out if what else determines the price of car insurance, keep reading.

Audi S3 Liability Insurance Rates

Liability insurance is composed of bodily injury and property damage, so we are going to go over sample Geico quotes for both of these liability parts. The sample rates are for a 40-year-old male driver who owns a 2020 Audi S3 Quattro Prestige, has a clean driving record, and travels an average of 13,000 miles a year.

How much does it cost to insure an Audi S3? Below are the average liability rates for a six-month policy for bodily injury insurance.

  • Low ($15,000/$30,000): $26.70
  • Medium ($100,000/$200,000): $54.73
  • High ($500,000/$500,000): $88.11

It costs around $62 if you want to upgrade your bodily injury insurance from low to high coverage, or about $10 extra a month. This isn’t a bad price upgrade, especially because your insurance will cover up to $500,000 in medical bills if you hit someone.

The jump in coverage for property damage is similar, as you can upgrade from $5,000 to $100,000 of coverage for an extra $37 ($6 a month).

  • Low ($5,000): $407.47
  • Medium ($20,000): $429.04
  • High ($100,000): $444.81

We always recommend getting the highest possible coverage you can afford, as you will be better protected from legal actions and paying bills out of pocket if you cause an accident. Keep in mind, however, that liability rates will be different for a 40-year-old than Audi S3 insurance for a 21-year-old, as age and driving record will affect your rates.

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Audi S3 Safety Features and Ratings

Most people take note of safety features when they buy a car, as safety features help prevent crashes and keep the driver and passengers safe in a crash. The safety benefits of features are why insurers often offer a discount if your car has certain safety features, such as stability control or backup cameras.

According to VehicleHistory, the 2017 Audi S3 has the following standard 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
  • 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
  • Height Adjusters and Pretensioners
  • Back-Up Camera

The Audi S3 has some great safety features, so you should be able to get a discount. Another way to check if your vehicle is likely to have lower rates is to look at crash test ratings. The National Highway Traffic Safety Administration (NHTSA) gave the 2020 Audi S3 an overall safety rating of five out five.

The parts of the crash safety test that scored less than five were:

  • Rollover Resistance Test: Four
  • Front Driver Side Test: Four

A four is still good, so the Audi S3 has a great safety rating overall. This is important because cars do have higher fatality rates, so they will automatically cost more to insure than pickups and SUVs.

This conclusion is based on the Insurance Information Institute for Highway Safety’s (IIHS) 2018 fatality data for the three different vehicle types (cars, pickups, and SUVs), which showed cars have the highest number of fatalities.

The IIHS found that driver fatalities per million vehicles were 48 car fatalities, 34 pickup fatalities, and 23 SUV fatalities. The occupant fatalities per million vehicles were 69 car fatalities, 42 pickup fatalities, and 32 SUV fatalities.

The IIHS’s averages are based on the total fatalities, which were 13,138 for cars, 5,035 for SUVs, and 4,369 for pickups. Below, the list shows the breakdown of the 13,138 car fatalities by crash type.

  • Frontal Impact: 7,433 fatalities
  • Side Impact: 3,568 fatalities
  • Rear Impact: 834 fatalities
  • Other (mostly rollovers): 1,303 fatalities

Because the Audi S3 has a good safety rating, drivers will be better protected and less likely to end up as one of the numbers on these lists. So whether you are worried about Audi A3 insurance cost or Audi A4 insurance costs, one way to make sure you have lower rates is to check safety ratings and safety features.

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Audi S3 Manufacturer Suggested Retail Price

Because the manufacturer suggested retail price (MSRP) is the price a car is valued to be worth, insurers use the MSRP to determine collision and comprehensive insurance rates. Since collision and comprehensive insurance pay for your vehicle repairs after an accident, the MSRP gives insurers an idea of how much it will cost to repair or replace your vehicle.

According to Kelley Blue Book (KBB), the average MSRP for the 2019 Audi S3 Premium Plus are:

  • MSRP: $45,495
  • Invoice Price: $42,827
  • Fair Purchase Price: $39,043
  • Fair Market Range: $36,762 to $41,323

The Audi S3 does cost more than a typical vehicle, so it will cost a little more to insure than a cheaper vehicle. We did include other prices to show you what you should be paying for an Audi S3, as the MSRP is never the price you should pay.

To prepare for costs, it is also important to know what insurance group is an Audi S3 in, as researching this will tell you if an Audi S3 will be expensive to insure.

We hope our guide to Audi S3 insurance helped you gain a better understanding of pricing. If you want to start comparing vehicle rates from Audi S3 insurance rates to Audi RS3 insurance rates to find out which cars are cheapest to insure, make sure to enter your ZIP code in our free tool below.

Rates by Driver Age

Audi S3 Insurance Rates by Driver Age
Driver Age Premium
16 $4,214
20 $2,662
30 $1,214
40 $1,158
50 $1,056
60 $1,040

Full coverage, $500 deductibles

Rates by Deductible

Audi S3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,486
$250 $1,334
$500 $1,158
$1,000 $990

Full coverage, driver age 40

Rates by Liability Limit

Audi S3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,158
50/100 $1,219
100/300 $1,295
250/500 $1,492
100 CSL $1,249
300 CSL $1,416
500 CSL $1,538

Full coverage, driver age 40

Rates for High Risk Drivers

Audi S3 Insurance Rates for High Risk Drivers
Age Premium
16 $6,046
20 $4,244
30 $2,568
40 $2,504
50 $2,388
60 $2,368

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 $164

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $61
Homeowner $17
5-yr Accident Free $89
5-yr Claim Free $76
Paid in Full/EFT $56
Advance Quote $59
Online Quote $84
Total Discounts $505
Rate after discounts $653

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

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