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 $1,314 annually including full coverage. Comprehensive insurance costs an estimated $250, collision costs $446, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,852 or more. Teenage drivers receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Rate estimates broken down by individual coverage type:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and for different Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects insurance prices.

These examples highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than relying on average rates.

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

More Rate Information

The chart below breaks down estimated Audi Q3 insurance rates for other coverage scenarios.

• The best discount rate is $762
• Using higher $1,000 deductibles will save approximately $158 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $1,314
• Using more expensive low deductibles for physical damage coverage costs an additional $308 a year
• Drivers who are prone to accidents and violations could pay up to $2,852 or more
• The cost with full coverage for a teen driver with full coverage can cost as much as $5,046 or more

View Chart as Image

Auto insurance rates for an Audi Q3 can also vary considerably based on the trim level of your Q3, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $470 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see rates as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

With so much variability in rates, the best way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

How to Buy Cheaper Audi Q3 Insurance

Saving money on Audi Q3 insurance requires having a decent driving record, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to shop around at every other renewal by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following items are a condensed summary of the concepts that were raised in the charts and tables above.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,540 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, as much as $421 per month if full coverage is included
• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing deductibles could save up to $475 each year
• You may be able to save approximately $160 per year simply 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.