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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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.
For full-coverage policies, USAA, GEICO, and State Farm have the lowest average premiums for the Audi A3, Insurify data shows.
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.
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.
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.
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