Categories Insurance Guide

Audi A3 Car Insurance Cost 2024 – Forbes Advisor – Shield Smart

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Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors’ opinions or evaluations.

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Audi A3 auto insurance at a glance:

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  • Average auto insurance rate for a 40-year-old driver: $2,567 a year
  • Most affordable insurance companies for Audi A3 auto insurance: Erie, USAA*, Nationwide
  • Cheapest state for A3 insurance: Hawaii
  • Highest-priced state for A3 insurance: Louisiana

Audi A3 Insurance Rates by Company

Comparing car insurance costs from different providers can lead to decent savings for A3 owners. Our assessment of major insurance companies found that Erie has the most cost-effective rates for an A3. The next cheapest company was USAA*.

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Related: The best car insurance companies

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Audi A3 Insurance Costs by State

State variations in A3 auto insurance costs are typically related to past claims in the state, medical costs, repair costs, state regulations and more. Louisiana is the most expensive state for insuring an A3 ($4,926 a year). Hawaii is the cheapest ($1,784 a year).

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Cost of Insurance for an Audi A3 Based on Driver Age

In our analysis, 60 stands out as the most budget-friendly age for insuring an A3.

In contrast, A3 owners age 20 will get the highest rates.

There are multiple factors that go into calculating your own car insurance quotes. These usually include your driving record, your address (where you keep the car), annual mileage, your credit-based insurance score (people with lower credit pay more), your past auto insurance claims, the model of the car, any recent lapse in your auto insurance and the types and amount of insurance you have.

Related: 9 Factors That Affect Your Car Insurance Rates

How to Save Money on Audi A3 Car Insurance

There are several ways you can lower car insurance costssuch as:

  • Check out vehicle insurance quotes. Car insurance companies each have a different way of pricing insurance for an Audi A3. The best way to find a competitive cost is to compare car insurance quotes from several insurers.
  • Buy the right amount of car insurance. While you want to make sure you have enough insurance, you also don’t want to end up buying unnecessary insurance for an A3. Here are ways to decide how much car insurance you need.
  • Maintain the best possible credit score. Insurers in most states can use your credit-based insurance score as a factor in calculating rates. But not all insurers give credit the same weight in pricing, which is why it’s wise to get several quotes.
  • Raise your deductible. The higher your car insurance deductiblethe less you pay in premiums. Common deductible amounts range from $250 to $2,000 or more.

Methodology

Unless otherwise noted, rates are based on a 40-year-old female with a good driving record and insuring a new vehicle. Rates shown are for coverage of $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (100/300/100), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other coverage required in a state. Source: Quadrant Information Services.

*USAA car insurance is available only to military members, veterans and their families.

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