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 $1,314 annually including full coverage. Comprehensive insurance costs around $250 a year, collision insurance costs $446, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,852 or more. Teens cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below breaks down average Audi Q3 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $762
• Using higher $1,000 deductibles will save about $1,156 every year
• The estimated rate for a good driver age 40 using $500 deductibles is $1,314
• Selecting low $100 deductibles for physical damage coverage costs an additional $308 annually
• High-risk insureds with serious driving violations could pay at least $2,852
• Policy cost with full coverage for a 16-year-old driver can be $5,046 or more

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,000 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 annually, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Buy More Affordable Audi Q3 Insurance

Finding cheaper rates on insurance for an Audi Q3 requires having a good driving record, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Invest time comparing rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a summary of the data that was covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting early and online
• Insureds who may need increased levels of liability coverage will pay approximately $510 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are the costliest to insure, with premiums being up to $421 each month if comprehensive and collision insurance is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,540 more every year to buy Audi Q3 insurance

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.