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 $1,370 a year for full coverage. Comprehensive costs an estimated $268, collision costs $484, and liability insurance costs $460. Buying just liability costs as little as $510 a year, with insurance for high-risk drivers costing around $2,976. 16-year-old drivers cost the most to insure at $5,224 a year or more.

Average premium for full coverage: $1,370

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have lower incidents of accident claims than congested cities.

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

The examples above show why everyone should compare rates for a targeted area, rather than relying on rate averages.

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

More Rate Details

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

• The best full coverage rate is $790
• Drivers who choose higher $1,000 deductibles will pay approximately $170 a year
• The estimated price for a good driver age 40 who has $500 deductibles is $1,370
• Buying pricier low deductibles for comprehensive and collision insurance bumps up the cost to $1,704
• High risk drivers with multiple tickets or accidents could pay up to $2,976 or more
• Policy cost that insures a teen driver for full coverage can cost as much as $5,224 a year

View Chart as Image

Insurance rates for an Audi Q3 also range considerably based on the model of your Q3, how you drive, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you could be paying $1,600 to $2,300 extra every year, depending on your age. Audi Q3 insurance for high-risk drivers can cost anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay at least $5,200 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 $900 a year in states like Iowa, Maine, and Idaho, or at least $1,960 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $510 each year, whereas buying more liability protection will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know which auto insurance is cheapest is to regularly compare rates from as many companies as possible. Every company utilizes a different rate formula, so the rates will be varied.

How to Find the Best Cheap Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance not only requires having a good driving record, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The next list is a quick review of the coverage data raised in the charts and tables above.

• Drivers can save approximately $160 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers age 20 and younger are charged the highest rates, costing up to $435 each month if full coverage is included
• High-risk drivers with a DUI or reckless driving violation may pay on average $1,610 more annually to buy Audi 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.