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.

Average auto insurance rates for an Audi Q3 are $1,314 annually for full coverage. Comprehensive insurance costs an estimated $250, collision insurance costs $446, and liability costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,852 or more. 16-year-old drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates broken down by individual coverage type:

These estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for different Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location can have significant affects on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The price range example below illustrates how location helps determine insurance prices.

These examples show why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Analysis

The chart below shows average Audi Q3 insurance rates for other coverage scenarios.

• The best full coverage rate is $762
• Drivers who choose higher $1,000 deductibles will pay approximately $158 a year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,314
• Buying more expensive low deductibles for comprehensive and collision insurance costs an additional $308 every year
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,852
• The cost with full coverage for a teen driver with full coverage can cost as much as $5,046 a year

View Chart as Image

Car insurance rates for an Audi Q3 can also vary considerably based on the trim level of your Q3, your driver profile, and liability limits and deductibles.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can cost as much as 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $470 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Audi Q3 insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

How to Buy Cheap Audi Q3 Insurance

Saving money on car insurance not only requires being a low-risk driver, but also having a good credit score, eliminating unneeded coverage, and possibly higher deductibles. Invest time comparing rates every other policy renewal by getting rate quotes from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The items below are a brief summary of the ideas that were covered in the charts and tables above.

• Teen drivers have the highest car insurance rates, costing as high as $421 per month if comprehensive and collision insurance is included
• Higher risk drivers that tend to have accidents or serious violations may pay on average $1,540 more annually to insure their Q3
• Increasing deductibles could save up to $475 each year
• Drivers can save approximately $160 per year just by shopping early and online

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.