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 costs approximately $250 each year, collision costs $446, and liability coverage costs $460. A liability-only policy costs as little as $510 a year, with high-risk insurance costing around $2,852. 16-year-old 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:

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Q3 models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural locations tend to have lower incidents of accident claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance prices.

These examples show why all drivers should compare rates using their specific location, rather than using rate averages.

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

Additional Rate Information

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

• The best full coverage rate is $762
• Drivers who choose higher $1,000 deductibles will pay $158 a year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,314
• Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,622
• High-risk insureds with multiple tickets or accidents could pay around $2,852 or more
• The cost that insures a teenage driver can cost $5,046 a year

View Chart as Image

Insurance rates for an Audi Q3 can also vary considerably based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you could be paying anywhere from $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers can cost around 44% to 136% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Where you live makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $870 a year in states like Iowa, Maine, and Idaho, or at least $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $470 a year, whereas increasing liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the rates can be significantly different.

How to Find the Cheapest Audi Q3 Insurance

Saving money on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Comparison shop every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are expensive to insure, costing as high as $421 per month if full coverage is included
• Drivers that have major violations or accidents could be forced to pay on average $1,540 more per year to insure an Audi Q3
• Increasing deductibles can save approximately $475 each year
• Drivers can save around $160 per year simply by quoting online in advance

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.