Audi S3 Insurance Cost

The S3 is a high-performance sports car based on Audi’s luxury entry-level A3. The S3, like most other Audi vehicles, comes standard with a slew of safety and driver assistance technologies designed to make driving safer and more pleasant. These features may also help you save money on your car insurance. According to our calculations, vehicle insurance for an Audi S3 costs around $132 per month, or $1,584 per year, which is approximately $250 higher than the national average of $1,318.

However, your real cost may fluctuate because vehicle insurance prices are influenced by a variety of factors. Your driving history, car design options, and location are just a handful of the numerous variables. For example, if you live in California, you may spend closer to the state’s average of $1,962, but Idaho residents may pay a more manageable $1,053. This is why, before settling on a policy and provider, you should always evaluate your choices.

How to compare insurance for the Audi S3

The S3 is a high-performance sedan built for commuting, errands, and general daily driving. Its sumptuous design includes a multitude of safety and driver assistance systems as standard, so you should have no problem obtaining coverage. However, looking for vehicle insurance coverage, like shopping for other forms of insurance, can be a difficult experience. 

Knowing exactly what you’re searching for will help you compare your alternatives for the best Audi S3 auto insurance. The most effective method is to build a sample policy with all of the choices you want and then use that template to receive quotations from several providers. Here’s what you should know.

• Price. Price is an essential factor to consider, but it is not necessarily the most accurate. Even though policies appear to be comparable, coverage might differ between providers. The easiest method to compare rates is to acquire numerous quotes using your sample policy. This approach will allow you to compare comparable coverage with precision.
• Deductible. The size of your deductible might have a direct impact on the cost of your insurance. A greater deductible may be more expensive when filing a claim, but it will most likely result in cheaper rates. A lower deductible, on the other hand, may cost less out of pocket after an incident, but it will lead to higher monthly rates.
• Minimum coverage.The majority of states have mandated minimum coverage standards. Before acquiring insurance, be certain that your state’s minimums are satisfied.
• Additional coverage. If you need extra coverage, like personal injury protection or medical expenses, make sure to include it in your sample policy to receive a more accurate quotation.
• Extras. Some insurance companies provide policy add-ons such as accident forgiveness or roadside assistance. If they aren’t included for free, think about whether it’s worth it to add them to your policy.
• Restrictions. Some carriers may have coverage limits that may limit your coverage while driving or while not driving. Find out whether any of these apply to your insurance to avoid refused claims or coverage gaps.
• Manufacturer offer or loyalty discounts. Check with your dealer to see if you are qualified for any special discounts or loyalty programs via insurance provider relationships.
• Warranty. To prevent paying for overlapping coverage, find out what is covered by your manufacturer’s or extended warranty.

What factors affect car insurance rates for Audi S3?

The Audi S3 packs over 300 horsepower into its tiny body, allowing it a thrilling commute to and from work, or anywhere else you take it. While it is not an Audi R8, the strong engine and sporty appearance of this car may make it more expensive to insure. It does, however, come equipped with excellent safety measures that might save you money.

There are several aspects that carriers consider when establishing your premiums, including performance, theft rates, repair costs, safety features, and many others. Here’s how the attributes of the Audi S3 may affect the cost of vehicle insurance.

• Body type. The S3 is a four-door sedan intended for daily driving and other light applications. This might help you save money on insurance.
• Type of car. The S3 is classified as a luxury performance car, which may increase the likelihood of an accident or cost more to repair, thus raising insurance costs.
• Theft. Sedans are the most commonly stolen type of car, so you may wind yourself paying a little extra for insurance.
• Repairs. The S3’s parts and servicing should be simple to get by, but the luxury design on the inside and exterior may cost extra to fix.
• Safety ratings. The S3 boasts excellent safety ratings and features that may lower the danger of injury or damage in the case of an accident. This might result in cheaper rates.

How do trim packages and extra build options affect insurance cost?

Auto insurance companies compute your rates based on the likelihood of you submitting claims and the expense of paying them out. This is why there are so many variables that can influence the cost of coverage. A variety of factors, including your driving history, location, and vehicle, may influence your odds of being involved in an accident.

Performance, safety features, theft rates, and repair costs differ from vehicle to vehicle, which is why companies place a strong focus on your car’s type when calculating your rates. Aside from the type you drive, the trim and extras on your car might affect the amount you pay for auto insurance. 

Based on the basic 2018 Audi S3 2.0 TFSI Premium Plus, here’s how construction choices may impact insurance costs.

Trim

• 2.0 TFSI Prestige. The Prestige grade includes the Audi virtual cockpit, navigation system, adaptive cruise control, and other features for an additional $5,000. These features may minimize the likelihood of a collision, which may result in a reduction in your insurance costs.

Packages and options

• Technology package. This option, available on the Premium Plus trim, includes, among other things, a virtual cockpit and navigation system. Improved driving awareness may result in lower insurance prices.
• Wheel locks. Adding wheel locks can minimize the likelihood of wheel theft and may be rewarded with vehicle insurance reductions.
• Rear-passenger side airbags. Upgrading your safety measures may minimize the amount of injury and damage caused by an accident. This function may help you save money on car insurance.

Audi S3 money-saving safety features

If your Audi S3 has these safety features, you may be able to save money on car insurance..

• Airbags
• Daytime running lights
• Anti-lock brakes
• Anti-theft device
• Surround camera system
• Parking sensors
• Rear back-up sensors
• LED fog lights
• Electronic stability control
• Seatbelt pretensioners

Does the Audi S3 qualify for auto insurance discounts?

Depending on whatever carrier you pick, your vehicle may be eligible for certain auto insurance savings. The actual reductions you receive, however, may vary based on your region, provider, selections, and other variables. Here are a few examples that should be applicable to the Audi S3:

• New car discount
• Anti-lock brake discount
• Anti-theft discount
• Passive restraint discount (Airbags, motorized seat belts, etc.)
• Emergency roadside assistance discount

How reliable is the Audi S3?

Unfortunately, there isn’t much information available concerning the S3’s dependability. However, this car is built on Audi’s entry-level sedan, the A3, about which there is a lot of information. The 2018 A3 earned a 2.5/5 star dependability rating from U.S. News and J.D. Power, which is somewhat lower than the average for comparable cars in its class. Owners on Audi enthusiast sites are pleased with their automobiles, although many complain about excessive oil use and small coolant leaks.

The 2017 S3 has only one major recall for airbags not deploying correctly in the case of a low-speed accident. However, the A3, on which the S3 is based, has a plethora of them.

• 2018: A limited number of A3 cars were recalled due to a problem in which the engine control unit incorrectly adjusted the air/fuel ratio at startup, potentially causing the engine to stall.
• 2017: The 2017 S3 airbag issue and the 2018 engine control unit problem also affected certain 2017 A3 vehicles.
• 2016: A handful of 2016 Audi A3 vehicles were recalled owing to faulty exterior lighting and a fuel system problem that might cause leaks and raise the danger of a fire.
• 2015: Fuel system and engine control unit problems plagued some 2015 versions as well.

Despite the fact that the Audi A3 is a recent model, owners have reported a number of problems. Rust on roof rails and door trims, electric window difficulties, failure of mass airflow sensors, loss of power, and other concerns are common. Repair prices may vary based on the severity of the problem, mileage at the time the problem is discovered, and other variables.

Audi S3 maintenance

Audi automobiles are known for their comfort and convenience, and the S3 is no exception. While it has a strong engine and sport tune as standard, this car was designed to be driven regularly without requiring much maintenance. Keeping your automobile up to date on oil changes and other service appointments, on the other hand, may boost mileage and guarantee that it lasts as long as feasible.

Here’s what to expect in terms of oil changes, mileage, and service appointments, among other things.

• Audi suggests changing the oil every 10,000 miles or 12 months, whichever comes first. However, if you drive your car regularly, you may want to have it replaced more frequently.
• Oil changes should cost between $75 and $150, depending on how long it has been since your previous oil change and where you choose to take your car for repair.
• According to the 2017 Audi maintenance plan, your S3 should be serviced at 10,000 miles and then every 20,000 miles after that. Standard maintenance should be performed after the first 20,000 miles and then every 20,000 miles after that.
• The 2018 Audi S3 gets 25 miles per gallon on average, with 22 in the city and 28 on the interstate.
• The 2017 Audi S3 is covered by a four-year/50,000-mile guarantee as well as four years of 24-hour roadside support.

Is an extended warranty worth it for the Audi S3?

The Audi S3 comes with a four-year, 50,000-mile guarantee that covers parts and service issues, as well as 24-hour roadside support. When the original new car warranty expires, you may upgrade to the Audi Certified Plus Limited guarantee, which provides two years or 50,000 miles of additional coverage. Despite the fact that the S3 is a sedan built for frequent usage and everyday driving, parts may wear out with time, regardless of how gently it is driven.

Adding an extended warranty will provide you peace of mind knowing your car is still covered, and it may even enhance the market value of your vehicle if you decide to sell it.

How safe is the Audi S3?

According to the NHTSA, the 2018 Audi S3 has excellent safety ratings in nearly every area. Unfortunately, this car has not yet been rated by the IIHS or J.D. Power. However, the 2018 A3 was named the IIHS’s top midsize luxury vehicle safety choice for 2018. Because the S3 is based on the A3, many of the safety and driver assistance systems are shared.

About the Audi S3

The Audi S3 has been in production since 1999, however, the latest model debuted in 2013. The 2017 model is recognized for its excellent performance and cutting-edge technology. The National Highway Traffic Safety Administration granted the 2017 model a Five-Star Overall Safety Rating.

The insurance cost for an Audi S3 is determined by safety ratings, theft rates, replacement costs, and general damage susceptibility. Insurance costs vary depending on a driver’s past and region. Before purchasing an Audi, prospective buyers should obtain insurance quotes from multiple providers in order to acquire the lowest feasible cost. Audi S3 buyers should also do their homework to determine whether they qualify for insurance reductions with each carrier.

Compare Audi competitors

Want to see what else is available? Learn more about the various models available from Audi, or look into a different manufacturer to find comparable choices.

Bottom line

The Audi S3 is a step up from the A3, Audi’s entry-level four-door sedan. Both cars include a plethora of safety and driver aid systems, which may contribute to their outstanding safety ratings. Despite the S3’s power and aggressive look, it was built for daily drive and should be inexpensive to insure. While our estimates are correct, your real prices may differ, so it’s critical to evaluate your alternatives to choose the coverage that fits your needs and budget.

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