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 insurance rates for an Audi Q3 are $1,314 a year for full coverage. Comprehensive insurance costs on average $250, collision costs $446, and liability insurance is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,852 or more. Teenage drivers receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Rate estimates by individual coverage type:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Q3 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

These examples show why everyone should compare rates quotes based on a specific location and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $762
• Raising to $1,000 deductibles will save around $158 a year
• The average rate for a 40-year-old driver with $500 deductibles is $1,314
• Using pricier low deductibles will cost an extra $308 a year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,852 or more
• The cost for full coverage for a teen driver for full coverage may cost $5,046

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $5,000 a year. View Rates by Age

Where you live also has a big influence on Audi Q3 insurance rates. A middle-age driver might find rates as low as $870 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $470 each year, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 extra per year, depending on your age. Audi Q3 insurance for high-risk drivers is expensive and can cost anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different from one company to the next.

How to Find the Best Audi Q3 Insurance

Saving money on Audi Q3 insurance consists of having a decent driving record, maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to comparison shop every couple of years by requesting rates from direct carriers like GEICO and Progressive, and also from your local insurance agents.

The following items are a brief recap of the material that was touched on in the above illustrations.

• Drivers who require additional liability coverage will pay an extra $510 each year to raise from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers pay the highest rates, costing as high as $421 per month for full coverage
• High-risk drivers who tend to receive serious violations will pay on average $1,540 more each year than a driver with a clean driving record
• Increasing deductibles can save around $475 each year

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.