Audi Q3 Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 22, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 $1,434 a year for full coverage insurance. Comprehensive insurance costs approximately $280, collision costs $540, and liability insurance costs $456. A policy with only liability insurance costs as little as $508 a year, with a high-risk policy costing $3,122 or more. Teens pay the most at $5,438 a year or more.

Average premium for full coverage: $1,434

Premium estimates by type of coverage:

Comprehensive $280
Collision $540
Liability $456

Rates are based on $500 deductible amounts, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for an Audi Q3 go from the low end price of $508 for minimum levels of liability insurance to a much higher rate of $3,122 for coverage for higher-risk drivers.

Liability Only $508
Full Coverage $1,434
High Risk $3,122

Insurance Price Range by Location

Your location has a significant impact on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

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

Rural Areas $1,076
Small Cities $1,506
Large Cities $1,936

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location, rather than relying on averaged prices.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Additional Rate Details

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

  • The cheapest rate after discounts is $819
  • Drivers who choose higher $1,000 deductibles will pay $186 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,434
  • Selecting more expensive low deductibles for comprehensive and collision insurance will cost an additional $364 a year
  • High risk drivers with serious driving violations could pay around $3,122 or more
  • An auto insurance policy that insures a teen driver with full coverage can cost $5,438 a year

View Chart as Image

Audi Q3 insurance cost comparison chart
Column chart showing full coverage Audi Q3 insurance prices range from $819 to $5,438

Car insurance prices for an Audi Q3 also have a wide range based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,700 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 44% to 132% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $5,400 a year. View Rates by Age

Where you choose to live makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $940 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,940 on average in Florida, New York, and Michigan.

Audi Q3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,298 -$136 -9.5%
Alaska $1,100 -$334 -23.3%
Arizona $1,190 -$244 -17.0%
Arkansas $1,434 -$0 0.0%
California $1,636 $202 14.1%
Colorado $1,372 -$62 -4.3%
Connecticut $1,476 $42 2.9%
Delaware $1,624 $190 13.2%
Florida $1,796 $362 25.2%
Georgia $1,324 -$110 -7.7%
Hawaii $1,032 -$402 -28.0%
Idaho $970 -$464 -32.4%
Illinois $1,068 -$366 -25.5%
Indiana $1,082 -$352 -24.5%
Iowa $968 -$466 -32.5%
Kansas $1,364 -$70 -4.9%
Kentucky $1,958 $524 36.5%
Louisiana $2,122 $688 48.0%
Maine $886 -$548 -38.2%
Maryland $1,184 -$250 -17.4%
Massachusetts $1,148 -$286 -19.9%
Michigan $2,492 $1,058 73.8%
Minnesota $1,200 -$234 -16.3%
Mississippi $1,720 $286 19.9%
Missouri $1,272 -$162 -11.3%
Montana $1,542 $108 7.5%
Nebraska $1,130 -$304 -21.2%
Nevada $1,720 $286 19.9%
New Hampshire $1,034 -$400 -27.9%
New Jersey $1,602 $168 11.7%
New Mexico $1,270 -$164 -11.4%
New York $1,510 $76 5.3%
North Carolina $828 -$606 -42.3%
North Dakota $1,174 -$260 -18.1%
Ohio $990 -$444 -31.0%
Oklahoma $1,474 $40 2.8%
Oregon $1,314 -$120 -8.4%
Pennsylvania $1,370 -$64 -4.5%
Rhode Island $1,914 $480 33.5%
South Carolina $1,300 -$134 -9.3%
South Dakota $1,210 -$224 -15.6%
Tennessee $1,256 -$178 -12.4%
Texas $1,728 $294 20.5%
Utah $1,064 -$370 -25.8%
Vermont $984 -$450 -31.4%
Virginia $860 -$574 -40.0%
Washington $1,110 -$324 -22.6%
West Virginia $1,314 -$120 -8.4%
Wisconsin $994 -$440 -30.7%
Wyoming $1,280 -$154 -10.7%

View Chart as Image

Audi Q3 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $550 each year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices from as many companies as possible. Every company calculates prices differently, so rate quotes will be substantially different.

Audi Q3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Audi Q3 $292 $574 $452 $1,476
2017 Audi Q3 $280 $540 $456 $1,434
2016 Audi Q3 $268 $484 $460 $1,370

Rates are averaged for all Audi Q3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find the Best Cheap Audi Q3 Insurance

Finding better rates on Audi Q3 insurance not only requires having a good driving record, but also having a positive credit history, paying for small claims out-of-pocket, and avoiding coverage lapses. Compare rates at least once a year by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

The next list is a quick review of the primary concepts that were raised in the charts and tables above.

  • It is possible to save around $170 per year simply by shopping early and online
  • High-risk drivers with a DUI or reckless driving violation could be charged and average of $1,690 more per year to buy Audi Q3 insurance
  • Increasing policy deductibles can save approximately $550 each year
  • Drivers age 20 and younger pay the highest auto insurance prices, with premiums being up to $453 per month if full coverage is purchased

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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:

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.

Rates by Driver Age

Audi Q3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,438
20 $3,332
30 $1,492
40 $1,434
50 $1,312
60 $1,288

Full coverage, $500 deductibles

Rates by Deductible

Audi Q3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,798
$250 $1,628
$500 $1,434
$1,000 $1,248

Full coverage, driver age 40

Rates by Liability Limit

Audi Q3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,434
50/100 $1,525
100/300 $1,639
250/500 $1,936
100 CSL $1,571
300 CSL $1,822
500 CSL $2,004

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,760
20 $5,312
30 $3,184
40 $3,122
50 $2,984
60 $2,958

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $77
Homeowner $22
5-yr Accident Free $106
5-yr Claim Free $94
Paid in Full/EFT $65
Advance Quote $72
Online Quote $102
Total Discounts $615
Rate after discounts $819

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles