Audi A3 Car Insurance Quotes (2025)
On average, Audi A3 drivers pay $237 per month for full coverage and $126 per month for liability-only coverage.
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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.[?]
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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The starting MSRP for the 2024 Audi A3 — $36,895 — was slightly higher than the starting MSRP for the 2023 model year.[?] 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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
The 2023 Audi A3 started at $36,495.[?] 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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 CompanyAverage Monthly QuoteUSAA $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 sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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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:
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.
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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