Car insurance for Audi A3


The Audi A3 is a family car with a touch of luxury. Although owning an Audi is a goal for many, how much does Audi A3 insurance cost? The average cost of auto insurance in the United States is $1,674 per year for a full coverage policy, but your price will vary depending on the vehicle you drive, its specifications, and your unique pricing factors. Understanding how much car insurance for Audi A3s costs could help you decide if the vehicle is the right choice for you. Bankrate has researched the average cost of car insurance for the Audi A3 to help you make a smart financial decision when buying a vehicle.

Models included in this review:

How much does Audi A3 insurance cost?

Full-coverage auto insurance costs $1,674 per year, based on Bankrate’s 2021 analysis of quoted annual premiums. However, the cost of car insurance varies depending on a number of factors, including the type of car you drive and the car insurance company you choose. Even the best auto insurance companies vary their rates. If you’re looking to buy an Audi A3, you can expect these factors to affect the price of your insurance:

  • Crash rate statistics by make/model: The 2019 Audi A3, which is the model for which we analyzed premium data, was a 2019 Insurance Institute for Highway Safety (IIHS) Top Safety Pick. “good” ratings, although its headlights earned ratings in the “average” and “poor” categories, depending on the trim package. The vehicle-to-vehicle frontal collision avoidance system received a “Superior” rating.
  • Parts prices: Because Audi is a luxury brand, drivers should expect to pay a bit more for parts than they would for more standard vehicles. Higher repair costs usually mean higher insurance costs.
  • Safety devices: Generally, having safety features that could help reduce the cost of an accident will result in lower insurance premiums for certain types of coverage. The A3 comes with forward collision warning and emergency braking as standard, which could help prevent or at least reduce the severity of accidents.

Car insurance for an Audi A3

Although insurance rates vary by driver and household, understanding the average cost of car insurance for the make and model of vehicle you’ve chosen can help you get an idea of ​​what coverage might be for you. cost. This could help you decide if a vehicle is right for your budget, or determine if you’re currently paying too much for coverage.

Car insurance for Audi A3

The Audi A3 is a sedan built with luxury in mind. With room for five passengers, the A3 offers family travel in a stylish package. The brand’s Quattro all-wheel drive is optional, but can give you peace of mind if you’re driving in bad weather. You can also add extras, like adaptive cruise control and automatic high beams, for even more safety and comfort on the road. Perhaps due to its standard security features, the Audi A3’s minimum coverage is lower than the national average of $565 per year; safety features could help prevent accidents and thus prevent liability claims. However, the luxury features of the Audi A3 come with a higher price than many other models, causing the average full coverage premium for this vehicle to be higher than the national average of $1,674 per year. year.

Audi A3 car insurance Average annual premium
Minimum coverage $449
Full coverage $1,970

The cheapest car insurance companies for Audi A3s

Different car insurance companies have different policy pricing methods, so prices vary from provider to provider. The five car insurance companies below offer some of the cheapest car insurance for the Audi A3. Average rates between these five companies vary by more than $700 per year, which highlights the importance of shopping around and getting quotes from a few different carriers.

Average annual premium for full coverage per model

Audi A3 Features That Impact Insurance Costs

The Audi A3 is an impressive vehicle. The following features can affect how much you pay for car insurance:

  • Forward Collision Warning: This feature is standard on the 2019 Audi A3 and warns the driver if the distance between the front of the car and another object is closing too quickly. This alert could help drivers avoid accidents and thus reduce insurance costs.
  • Emergency braking: Also standard on the 2019 A3, emergency braking could lower your insurance premiums by helping to prevent or reduce the severity of frontal crashes. If you don’t brake fast enough to avoid hitting the vehicle in front of you, for example, your vehicle could brake automatically to avoid the accident.
  • Luxury finishes: The Audi A3 is a luxury sedan. Thus, the finishes of the car are of a higher standard than those of many other vehicles. Since the Audi A3 is a more expensive car to own, repair and replace, insurance costs may be higher.

However, insurance rates are complex. While these features can reduce the cost of certain types of coverage by helping to mitigate or prevent damage, they also mean that a vehicle is likely to be more expensive to repair or replace, which can increase the cost of car insurance. The best way to find out how much your coverage will cost is to get quotes from several different providers.

Other car insurance coverage for the Audi A3

Beyond A3-specific features, the amount of insurance you decide to buy for your car will have a direct impact on how much you pay. In addition to the liability coverage required by most states, you may want to add optional protections for your Audi A3. Collision coverage and comprehensive coverage, for example, can both help pay for damage to your vehicle in different scenarios, like accidents and natural disasters. Both of these types of coverage are part of a comprehensive coverage policy. You can also consider gap insurance if you have financed your Audi A3. Gap coverage is designed to pay the difference between the actual value of your car if it is totaled or stolen and your loan amount.

The more coverage you buy, the higher your insurance costs are likely to be. However, purchasing lower levels of coverage could cost you dearly if you are in an accident. Auto insurance is designed to protect your finances against these costs, which is why many experts recommend purchasing liability limits that are higher than your state’s minimum limits, as well as additional types of coverage for better protection. financial.

Methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:

  • Civil liability of $100,000 in bodily injury per person
  • Civil liability of $300,000 in bodily injury per accident
  • Civil liability of $50,000 in property damage per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 aggregate deductible

To determine minimum coverage limits, Bankrate has used a minimum coverage that meets each state’s requirements. Our basic profile drivers own a 2019 Audi of the following model types, commute five days a week, and drive 12,000 miles per year:

These are sampling rates and should only be used for comparison purposes.

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