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 $1,370 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $268 a year, collision costs $484, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,976 or more. 16-year-old drivers cost the most to insure at $5,224 a year or more.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above illustrate why it is important to compare rates 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.

Rates by State, City, and Model

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

• The best full coverage rate is $790
• Drivers who choose higher $1,000 deductibles will pay $1,200 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,370
• Buying low $100 deductibles for comprehensive and collision insurance costs an extra $334 a year
• High risk drivers with multiple tickets or accidents could pay around $2,976 or more
• Policy cost to insure a teen driver can cost $5,224 a year

View Chart as Image

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

Opting for high physical damage deductibles could save up to $510 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,850 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, and quoted rates will be varied.

How to Shop for Affordable Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance not only requires having a good driving record, but also having a good credit score, being claim-free, and not having any coverage lapses. Take the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

The next list is a brief review of the ideas that were covered in the above illustrations.

• Drivers age 20 and younger have the highest car insurance rates, possibly costing $435 each month if comprehensive and collision insurance is included
• High-risk drivers with DUI or reckless driving convictions may have to pay on average $1,610 more per year to buy Audi Q3 insurance
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• It is possible to save around $160 per year simply by quoting 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.