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.

Estimated auto insurance rates for an Audi Q3 are $1,370 annually with full coverage. Comprehensive costs on average $268, collision costs $484, and liability insurance is estimated at $460. A policy with only liability insurance costs approximately $510 a year, with a high-risk policy costing around $2,976. 16-year-old drivers pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all U.S. states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities.

The price range example below illustrates how geographic area affects car insurance rates.

These rate differences demonstrate why anyone shopping for car insurance should get quotes based on a 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.

Rates by State, City, and Model

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

• The best full coverage rate is $790
• Choosing higher $1,000 deductibles can save around $170 annually
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,370
• Buying more expensive low deductibles for comp and collision coverage will cost $1,704
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,976 or more
• An auto insurance policy with full coverage for a teen driver with full coverage may cost $5,224 each year

View Chart as Image

Car insurance prices for an Audi Q3 also have a wide range based on the model of your Q3, your driving record, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $510 each year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Audi Q3 insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or at least $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

With such a large range in prices, the best way to find out exactly what you will pay is to compare prices from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes will be substantially different between companies.

How to Buy Affordable Audi Q3 Insurance

Finding better rates on Audi Q3 insurance takes being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct companies, and also from local independent and exclusive agents.

Below you'll find a brief review of the concepts that were presented in the illustrations above.

• High-risk drivers with DUI or reckless driving convictions pay an average of $1,610 more each year than a low-risk driver
• Youthful drivers are expensive to insure, possibly costing $435 per month if comprehensive and collision insurance is included
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing policy deductibles could save up to $500 each year
• You may be able to save as much as $160 per year simply by shopping early and online

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.