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 approximately $250 each year, collision costs $446, and liability insurance is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,852. 16-year-old drivers pay the most at $5,046 a year or more.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Prices include $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Q3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences illustrate why all drivers should compare rates quotes using their specific location and their own driving history, rather than relying on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $762
• Raising to $1,000 deductibles will save $158 each year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $1,314
• Buying low deductibles increases the price to $1,622
• Higher-risk drivers with multiple tickets or accidents could pay around $2,852 or more
• An auto insurance policy to insure a teen driver can cost $5,046

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 model of your Q3.

Opting for high physical damage deductibles can reduce prices by up to $470 each year, whereas increasing liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark 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 anywhere from $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Where you choose to live also has a big influence on Audi Q3 insurance rates. A middle-age driver might find prices as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, so the prices will be substantially different.

How to Shop for the Right Audi Q3 Insurance

Finding better rates on Audi Q3 insurance consists of being a good driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least every other year by getting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a quick rundown of the car insurance concepts touched on above.

• High-risk drivers with reckless driving or DUI convictions may have to pay on average $1,540 more per year than a safer driver
• It is possible to save around $160 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $475 each year
• Drivers who purchase an increased level of liability coverage will pay around $510 annually to raise 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.