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 costs approximately $268, collision costs $484, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,976. Teens pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and for all Q3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

These rate differences highlight why everyone should compare prices using their specific location, rather than relying on averaged prices.

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 additional coverage and risk scenarios.

• The cheapest rate after discounts is $790
• Using higher $1,000 deductibles will save $170 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Selecting pricier low deductibles for physical damage coverage bumps up the cost to $1,704
• Drivers with serious driving violations could pay around $2,976 or more
• An auto insurance policy that insures a teen driver for full coverage can cost $5,224 or more

View Chart as Image

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

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 extra annually, depending on your age. Audi Q3 insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. 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 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see prices as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $510 each year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

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

How to Find More Affordable Audi Q3 Insurance

Finding better rates on Audi Q3 insurance requires being safe and accident-free, having above-average credit, refrain from filing small claims, and maximizing policy discounts. Compare rates at least once a year by requesting quotes from direct car insurance companies, and also from local auto insurance providers.

Below you'll find a summary of the primary concepts that were touched on above.

• You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
• High-risk drivers who have multiple accidents or major violations will likely pay on average $1,610 more per year than a low-risk driver
• Increasing policy deductibles can save approximately $500 each year
• Youthful drivers are expensive to insure, with the cost nearing $435 per month if full coverage is included

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.