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 $1,476 a year for full coverage. Comprehensive costs approximately $292, collision insurance costs $574, and liability costs $452. Liability-only coverage costs as little as $504 a year, and high-risk coverage costs around $3,212. Teen drivers pay the most at up to $5,564 a year.

Average premium for full coverage: $1,476

Premium estimates by type of coverage:

Rate estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences show why anyone shopping for car insurance should compare rates using their specific location, instead of making a decision based on price averages.

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

Rate Comparisons

The chart below shows average Audi Q3 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $841
• Drivers who choose higher $1,000 deductibles will pay $196 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,476
• Choosing more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,860
• Drivers with multiple violations and an at-fault accident could pay around $3,212
• An auto insurance policy that insures a 16-year-old driver with full coverage can cost $5,564 a year

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,800 to $2,400 extra annually, depending on your age. High-risk driver insurance can cost from 43% to 136% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $5,500 a year. View Rates by Age

Where you choose to live makes a big difference in Audi Q3 insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Iowa, Maine, and Idaho, or as much as $2,100 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $580 annually, while increasing your policy's liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $407 more per year. View Rates by Deductible or Liability Limit

How to Find the Best Audi Q3 Insurance

Finding better rates on insurance for an Audi Q3 not only requires being a low-risk driver, but also having above-average credit, not filing small claims, and possibly raising deductibles. Shop around every other policy renewal by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The items below are a brief recap of the ideas that were covered above.

• Teen drivers are expensive to insure, as much as $464 per month if full coverage is included
• Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $1,740 more per year to insure their Q3
• Increasing policy deductibles can save approximately $575 each year
• Drivers can save around $180 per year just by shopping early and online

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.