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 insurance rates for an Audi Q3 are $1,370 a year including full coverage. Comprehensive insurance costs an estimated $268 each year, collision costs $484, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $2,976 or more. Teenage drivers pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates broken down by type of coverage:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Q3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and risk profile, rather than relying on average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $790
• Choosing higher $1,000 deductibles can save approximately $170 every year
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,370
• Using low deductibles for comp and collision coverage will cost an extra $334 a year
• High-risk insureds who are prone to accidents and violations could pay up to $2,976 or more
• An auto insurance policy for full coverage for a teen driver can cost as much as $5,224 each year

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on your driving characteristics, the model of your Q3, and liability limits and deductibles.

More mature drivers with no violations or accidents and high deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

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 $1,050 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $510 each year, whereas increasing liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are likely paying $1,600 to $2,300 additional annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the best way to figure out which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, and prices will be substantially different from one company to the next.

How to Find Low Cost Audi Q3 Insurance

Finding better rates on Audi Q3 insurance takes having a good driving record, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Take the time to compare rates every couple of years by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the material that was covered in the above illustrations.

• Drivers who want increased levels of liability coverage will pay an extra $510 per year to raise limits from 30/60 bodily injury limits to 250/500 limits
• Drivers age 20 and younger are expensive to insure, with the cost nearing $435 per month including comprehensive and collision insurance
• High-risk drivers who have several accidents or serious violations may pay on average $1,610 more annually to buy Audi Q3 insurance
• Increasing policy deductibles can save around $500 each year

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.