Audi Q3 Insurance Rates

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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

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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 auto insurance rates for an Audi Q3 are $1,434 annually with full coverage. Comprehensive costs around $280, collision insurance costs $540, and liability is estimated at $456. A liability-only policy costs approximately $508 a year, and high-risk insurance costs around $3,122. Teenage drivers cost the most to insure at up to $5,438 a year.

Average premium for full coverage: $1,434

Policy rates for type of insurance:

Comprehensive $280
Collision $540
Liability $456

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

Price Range Variability

For a driver in their 40's, Audi Q3 insurance rates range from as cheap as $508 for just liability coverage to a much higher rate of $3,122 for a driver that may need high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities. The price range example below illustrates how location helps determine auto insurance rates.

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

The examples above demonstrate why anyone shopping for car insurance should get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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.

Detailed Rate Analysis

The chart below details average Audi Q3 insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $819
  • Choosing higher $1,000 deductibles can save about $186 annually
  • The estimated rate for a good driver age 40 using $500 deductibles is $1,434
  • Using more expensive low deductibles for comp and collision coverage will cost $1,798
  • Unlucky drivers who are prone to accidents and violations could pay at least $3,122
  • Policy cost with full coverage for a teen driver with full coverage can be $5,438 each year

View Chart as Image

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

Car insurance rates for an Audi Q3 also range considerably based on the model year and trim level, your driving record, and deductibles and policy limits.

An older driver with no driving violations and high physical damage deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $5,400 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at least $1,700 to $2,400 extra every year, depending on your age. High-risk driver insurance ranges as much as 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $550 every year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi Q3 insurance prices. A good driver about age 40 could pay as low as $1,030 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,940 on average in Florida, Michigan, and New York.

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
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 Buy the Best Cheap Audi Q3 Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having a good credit score, not filing small claims, and consideration of higher deductibles. Invest time comparing rates once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the data that was covered in the charts and tables above.

  • You may be able to save up to $170 per year just by shopping early and online
  • Policyholders who may need higher liability limits will pay an extra $500 every year to raise limits from a 30/60 limit to higher 250/500 limits
  • Teens are the costliest to insure, as much as $453 each month if comprehensive and collision insurance is included
  • Higher risk drivers with a DUI or reckless driving violation may pay on average $1,690 more every year for Q3 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.

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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.

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.

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