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.

Estimated insurance prices for an Audi Q3 are $1,314 every 12 months for full coverage insurance. Comprehensive costs on average $250, collision costs $446, and liability insurance costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing around $2,852. Teen drivers pay the most at $5,046 a year or more.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Rate estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $762
• Using higher $1,000 deductibles will save around $158 each year
• The average price for a 40-year-old good driver with $500 deductibles is $1,314
• Choosing more expensive low deductibles for physical damage coverage increases the price to $1,622
• Drivers with multiple violations and an at-fault accident could pay upwards of $2,852 or more
• An auto insurance policy to insure a teen driver with full coverage may cost $5,046 or more

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your Q3.

Choosing high deductibles could cut prices by as much as $470 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than average. View High Risk Driver Rates

Where you choose to live has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see prices as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and prices will be substantially different.

How to Shop for the Best Audi Q3 Insurance

Finding better rates on Audi Q3 insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to compare rates at least every other year by requesting rates from direct insurance companies, and also from several local insurance agents.

Below is a brief recap of the car insurance concepts presented in the illustrations above.

• High-risk drivers who tend to receive serious violations pay on average $1,540 more each year for auto insurance
• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $475 each year
• Drivers who require higher levels of liability will pay about $510 annually to increase from 30/60 bodily injury limits 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.