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.

Average auto insurance rates for an Audi Q3 are $1,370 annually with full coverage. Comprehensive insurance costs around $268 each year, collision insurance costs $484, and liability is $460. Liability-only coverage costs around $510 a year, and high-risk coverage costs $2,976 or more. Teens receive the highest rates at up to $5,224 a year.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all U.S. states and Q3 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population tend to have fewer collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance rates.

These examples demonstrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $790
• Raising to $1,000 deductibles will save about $170 annually
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,370
• Selecting low deductibles costs an additional $334 annually
• Drivers with serious driving violations could pay at least $2,976
• The cost with full coverage for a 16-year-old driver can be $5,224

View Chart as Image

Car insurance rates for an Audi Q3 can also vary considerably based on the trim level of your Q3, your driving record, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged as much as $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at least $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Audi Q3 insurance prices. A middle-age driver might find rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

How to Buy Cheap Audi Q3 Insurance

Saving money on insurance for an Audi Q3 consists of having a good driving record, having a good credit score, eliminating unnecessary coverage, and consideration of higher deductibles. Spend time shopping around at every other renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from local exclusive and independent agents.

The next list is a brief summary of the concepts that were touched on above.

• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,610 more every year to buy Audi Q3 insurance
• Drivers age 20 and younger are the costliest to insure, with premiums as much as $435 per month if comprehensive and collision insurance is included
• You may be able to save up to $160 per year just by quoting online in advance
• Increasing deductibles could save up to $500 each year
• You may be able to save up to $160 per year just by quoting online in advance

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.