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 $1,314 every 12 months for full coverage. Comprehensive costs an estimated $250, collision costs $446, and liability costs around $460. Liability-only insurance costs as low 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 broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on insurance prices.

The examples above show why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below shows estimated Audi Q3 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $762
• Using higher $1,000 deductibles will save approximately $158 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,314
• Selecting more expensive low deductibles for physical damage coverage increases the price to $1,622
• Drivers with serious driving violations could pay up to $2,852 or more
• Policy cost to insure a teen driver with full coverage can cost as much as $5,046 or more

View Chart as Image

Auto insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 every year, while increasing your policy's liability limits will increase premiums. Going 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

An older driver with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,600 to $2,200 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see rates as low as $870 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied.

How to Shop for the Best Cheap Audi Q3 Insurance

Finding cheaper rates on car insurance requires having a good driving record, having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by requesting quotes from direct carriers, and also from several local insurance agents.

The next list is a quick review of the data touched on in this article.

• Policyholders who want increased levels of liability coverage will pay approximately $510 each year to increase from a 30/60 limit to a 250/500 level
• Drivers can save approximately $160 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $421 each month if comprehensive and collision insurance is included

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.