Audi Q3 Insurance Rates
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UPDATED: Jun 6, 2023
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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.
The average insurance prices for an Audi Q3 are $1,522 every 12 months for full coverage insurance. Comprehensive insurance costs on average $304, collision costs $618, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $3,322 or more. Teens cost the most to insure at $5,716 a year or more.
Average premium for full coverage: $1,522
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Q3 models.
Price Range Variability
For a driver around age 40, Audi Q3 insurance rates go from the cheapest price of $496 for basic liability insurance to the much higher price of $3,322 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Where you live can have significant affects on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on car insurance rates.
The examples above illustrate why everyone should compare prices based on a specific location and their own driving history, instead of using 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.
The chart below illustrates estimated Audi Q3 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $861
- Using higher $1,000 deductibles will save around $210 each year
- The average price for a good driver age 40 with $500 deductibles is $1,522
- Selecting pricier low deductibles for physical damage coverage costs an extra $410 every year
- Drivers with serious driving violations could pay upwards of $3,322 or more
- Policy cost to insure a teen driver for full coverage may cost $5,716 or more
Auto insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Q3.
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $620 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $5,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,800 to $2,500 in extra premium every year, depending on your age. Audi Q3 insurance for high-risk drivers can be as much as 44% to 132% more than the average policy. View High Risk Driver Rates
Your home state has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see rates as low as $1,000 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $2,060 on average in Michigan, New York, and Florida.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company calculates rates differently, and quoted rates will be varied.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2018 Audi Q3||$304||$618||$442||$1,522|
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 Shop for Cheaper Audi Q3 Insurance
Finding cheaper rates on car insurance requires being a good driver, having a good credit score, being claim-free, and taking advantage of discounts. Set aside time to compare rates at every policy renewal by obtaining price quotes from direct insurance companies, and also from several local insurance agents.
The following list is a condensed summary of the data covered above.
- Policyholders who require an increased level of liability coverage will pay approximately $490 annually to increase from a 30/60 limit to a 250/500 level
- It is possible to save as much as $190 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $625 each year
- Drivers age 16 to 20 are charged the highest rates, possibly costing $476 each month if comprehensive and collision insurance 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.
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$116|
|5-yr Claim Free||$100|
|Paid in Full/EFT||$72|
Discounts are estimated and may not be available from every company or in every state.