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 auto insurance rates for an Audi Q3 are $1,314 annually with full coverage. Comprehensive insurance costs approximately $250 a year, collision costs $446, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing $2,852 or more. 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:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations tend to have fewer collision claims than congested cities.

The diagram below illustrates how where you live affects auto insurance prices.

These examples demonstrate why it is important to compare prices using their specific location and their own personal driving habits, rather than relying on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $762
• Using higher $1,000 deductibles will save $1,156 annually
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,314
• Buying low $100 deductibles for physical damage coverage costs an additional $308 a year
• Drivers with multiple tickets or accidents could pay around $2,852 or more
• The cost with full coverage for a teen driver can cost $5,046 or more

View Chart as Image

Insurance rates for an Audi Q3 can also vary considerably based on the trim level of your Q3, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 additional per year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $470 each year, while buying higher liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to get quotes from as many companies as possible. Each insurance company utilizes a different rate formula, and rates can be significantly different between companies.

How to Buy the Best Audi Q3 Insurance

Saving money on Audi Q3 insurance requires not taking risks behind the wheel, having good credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every year by getting quotes from direct companies like Progressive and GEICO, and also from your local independent and exclusive agents.

The following is a brief recap of the coverage data touched on in the above illustrations.

• You may be able to save around $160 per year simply by quoting early and online
• Increasing deductibles could save up to $475 each year
• Teens are the costliest to insure, with premiums as much as $421 per month if they have full coverage
• High-risk drivers who tend to receive serious violations may pay on average $1,540 more per year for Q3 insurance

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.