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 rates for an Audi Q3 are $1,314 a year including full coverage. Comprehensive costs on average $250 a year, collision costs $446, and liability insurance costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance 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:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates the difference location can make on car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $762
• Drivers who choose higher $1,000 deductibles will pay around $1,156 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,314
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,622
• High risk drivers with serious driving violations could pay upwards of $2,852 or more
• Policy cost for full coverage for a teen driver may cost $5,046 a year

View Chart as Image

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

Older drivers with a good driving record and high deductibles could pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Your home state makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $470 each year, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company calculates rates differently, and quoted rates will be varied from one company to the next.

How to Find the Best Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance not only requires having a decent driving record, but also having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates at every other renewal by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following items are a brief recap of the concepts that were touched on in this article.

• High-risk drivers who tend to receive serious violations may pay on average $1,540 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $421 each month if they have full coverage
• You may be able to save as much as $160 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• You may be able to save as much as $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.