Audi Q3 Insurance Rates

Audi Q3 car insurance rates amount to $1,586 a year, or $132 a month on average for comprehensive coverage. 

There are a number of factors that ultimately determine what your Audi Q3 insurance premium will look like. For example, your age, location, and driving record are just three of many things that insurance companies look at to determine your Audi Q3 insurance cost. 

If you want to find cheap Audi Q3 insurance with a reputable provider, all you have to do is read through this comprehensive guide. When you’re ready, use our FREE online quote tool to compare Audi Q3 auto insurance policies from the industry’s top companies.

The average auto insurance rates for an Audi Q3 are $1,476 annually with full coverage. Comprehensive costs on average $292 each year, collision costs $574, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $3,212. Teen drivers cost the most to insure at $5,564 a year or more.

Average premium for full coverage: $1,476

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on auto insurance rates. Rural areas are shown to have fewer collision claims than larger metro areas.

The graphic below illustrates how your location can change car insurance rates.

The examples above demonstrate why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

The chart below details estimated Audi Q3 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $841
• Choosing higher $1,000 deductibles can save around $196 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,476
• Choosing low deductibles for comp and collision coverage will cost $1,860
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $3,212 or more
• Policy cost with full coverage for a teen driver may cost $5,564 each year

View Chart as Image

Car insurance rates for an Audi Q3 also range considerably based on the model year and trim level, your driving record, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $5,500 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $580 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi Q3 insurance rates. A good driver about age 40 could pay as low as $1,060 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,990 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied between companies.

How to Buy Affordable Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance takes being a good driver, having a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a brief review of the material that was illustrated above.

• Drivers who require an increased level of liability coverage will pay about $500 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $464 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions pay an average of $1,740 more each year than a safer driver
• Increasing comprehensive and collision deductibles could save up to $575 each year

As you can see from the information we’ve gone over to this point, it’s clear that there are differences in costs when it comes to an Audi Q3 insurance policy. If you’re looking for affordable Audi Q3 car insurance quotes, the best way to find out what you might pay is by taking advantage of our free online tool below.

What are the safety ratings of the Audi Q3?

It’s important to consider the safety ratings of the Audi Q3 to get a proper understanding of where you might qualify for policy discounts. 

Take a look at the safety ratings of the Audi Q3 below so you can see where you might be eligible for policy discounts.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

For a frame of reference, the Insurance Institute for Highway Safety classifies “Good” as the highest rating possible. Since the Audi Q3 achieved that mark in every part of the SUV that was tested, this is good news if you like low insurance rates.

Audi Q3 Compared Against Other Vehicles in the Same Class

Officially, the Audi Q3 is classified as a small luxury SUV by the Insurance Institute for Highway Safety, which provides a detailed list of insurance loss percentages. Other luxury crossovers that are comparable to the Audi Q3 include the following:

• BMW X1
• Infiniti QX30
• Lincoln MKC

It’s important to know the Audi Q3’s competition because you can end up saving more on your policy if the Audi Q3 reflects a better loss ratio than other similar models. 

As it turns out, the Audi Q3 has a bodily injury liability loss percentage of 8 percent and a property damage liability loss percentage of 7 percent. Both of these figures are considered average for this vehicle class.

Now that we have gone into extensive detail about how Audi Q3 insurance rates are calculated, is there anything we might have missed? If not, enter your five-digit ZIP code into our free online tool to start comparing Audi Q3 quotes from multiple companies.