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 insurance prices for an Audi Q3 are $1,314 every 12 months for full coverage. Comprehensive costs approximately $250, collision costs $446, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,852. Teens cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

The examples above show why everyone should compare rates quotes using their specific location and their own driving history, rather than relying on averaged prices.

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

More Rate Information

The chart below shows estimated Audi Q3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $762
• Raising to $1,000 deductibles will save $158 a year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,314
• Selecting pricier low deductibles increases the price to $1,622
• Higher-risk drivers with serious driving violations could pay around $2,852 or more
• Policy cost to insure a teen driver for full coverage can cost $5,046

View Chart as Image

Insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your driver profile, and the model of your Q3.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $470 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional every year, depending on your age. Audi Q3 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Audi Q3 insurance rates. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every auto insurance company calculates rates differently, and rates will be varied.

How to Shop for Cheaper Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance consists of being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a condensed summary of the information touched on in this article.

• Drivers can save around $160 per year simply by quoting online well ahead of the renewal date
• Teenage drivers are the costliest to insure, costing up to $421 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,540 more per year for auto insurance
• Drivers who purchase higher levels of liability will pay approximately $510 each year to raise from a 30/60 limit to a 250/500 level

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.