Which Is Cheaper to Insure: BMW 118d or Audi A3 2.0 TDI?
The BMW 118d and Audi A3 2.0 TDI are both popular premium hatchback upgrades for young drivers aged 21–25. They offer similar diesel performance, strong fuel economy, and high build quality — but insurance costs can vary.
This guide compares their insurance groups, typical costs, and which is usually cheaper to insure.
FCA-authorised providers • No spam • Free to compare
Insurance Group Comparison
BMW 118d: Insurance groups 23–29
Audi A3 2.0 TDI: Insurance groups 22–29
Both cars sit within insurance group 21–30, though the Audi A3 sometimes falls into slightly lower groups, depending on trim and year.
Typical Insurance Cost for Young Drivers
Based on common UK quotes for young drivers:
BMW 118d: £1,000 – £2,700 per year
Audi A3 2.0 TDI: £950 – £2,600 per year
Prices depend heavily on postcode, driving history, and specification — but the Audi A3 is often marginally cheaper to insure.
Check Insurance Prices for These Cars
Which Is Cheaper to Insure Overall?
In most cases, the Audi A3 2.0 TDI is slightly cheaper to insure than the BMW 118d.
The difference is usually small, but over a year it can still add up for young drivers trying to manage costs.
Which Should You Choose?
✅ Choose the BMW 118d if:
You prefer rear-wheel-drive handling (where applicable)
You want a sportier driving feel
Brand image and driving dynamics matter most
✅ Choose the Audi A3 2.0 TDI if:
Insurance cost is a priority
You want a more understated premium feel
You prefer slightly lower running costs overall
Both are strong options — the better choice depends on driving preference vs insurance budget.
Compare Quotes Before You Buy
FCA-authorized providers • No spam • Free to compare
Final Advice for Young Drivers
Before choosing between the BMW 118d and Audi A3 2.0 TDI, always compare insurance quotes using your own details. Differences between insurers can outweigh the difference between the cars themselves.