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 $1,314 a year with full coverage. Comprehensive insurance costs on average $250 a year, collision insurance costs $446, and liability costs around $460. A liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,852 or more. Teenage drivers pay the most at up to $5,046 a year.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than densely populated cities. The diagram below illustrates how location impacts car insurance rates.

These rate differences demonstrate why it is important to compare prices based on a specific location and risk profile, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Audi Q3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $762
• Using higher $1,000 deductibles will save around $1,156 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $1,314
• Using low $100 deductibles for physical damage coverage will cost an extra $308 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,852
• An auto insurance policy for full coverage for a 16-year-old driver may cost $5,046 or more

View Chart as Image

Auto insurance prices for an Audi Q3 also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,000 a year. View Rates by Age

Where you choose to live has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $470 annually, while buying higher liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 44% to 136% more than a normal policy. View High Risk Driver Rates

How to Find the Best Cheap Audi Q3 Insurance

Finding better rates on insurance for an Audi Q3 requires avoiding accidents and violations, having good credit, being claim-free, and deciding if full coverage is necessary. Spend time shopping around at least once a year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a quick review of the primary concepts that were touched on above.

• You may be able to save as much as $160 per year just by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation may be required to pay an average of $1,540 more each year for car insurance
• Increasing policy deductibles can save around $475 each year
• Teenagers are charged the highest prices, possibly costing $421 per month if they have full coverage

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.