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.

U.S. average insurance rates for an Audi Q3 are $1,370 a year with full coverage. Comprehensive insurance costs on average $268 a year, collision costs $484, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,976 or more. Teen drivers pay the highest rates at $5,224 a year or more.

Average premium for full coverage: $1,370

Price estimates by individual coverage:

Rates are based on $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and Q3 trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have lower incidents of collision claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

The ranges above demonstrate why it is important to compare prices based on a specific location, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $790
• Using higher $1,000 deductibles will save around $1,200 annually
• The estimated price for the average middle-age driver with $500 deductibles is $1,370
• Choosing low $100 deductibles for physical damage coverage will cost an additional $334 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,976 or more
• The price that insures a teenage driver may cost $5,224 or more

View Chart as Image

Insurance prices for an Audi Q3 are also quite variable based on the trim level of your Q3, your age and driving habits, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you may be forking out at a minimum $1,600 to $2,300 additional each year, depending on your age. A high-risk auto insurance policy can be around 44% to 130% more than average. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

The state you live in has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut prices by as much as $510 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, and prices may be quite different.

How to Find the Best Cheap Audi Q3 Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Shop around once a year by getting rate quotes from direct companies, and also from several local insurance agents.

Below is a quick review of the data that was presented in the illustrations above.

• You may be able to save as much as $160 per year simply by quoting early and online
• Consumers who require higher levels of liability will pay about $510 every year to increase from a low limit to the 250/500 level
• Teenage drivers pay higher prices, costing up to $435 a month if comprehensive and collision insurance is included
• Drivers with a DUI or reckless driving violation pay on average $1,610 more each year for auto 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.