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.

The average insurance prices for an Audi Q3 are $1,314 every 12 months for full coverage insurance. Comprehensive costs approximately $250 a year, collision costs $446, and liability is estimated at $460. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $2,852. Teenage drivers cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Rate estimates include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates the difference location can make on auto insurance prices.

The examples above illustrate why it is important to get quotes using their specific location and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below illustrates estimated Audi Q3 insurance rates for additional coverage and risk scenarios.

• The best discount rate is $762
• Choosing higher $1,000 deductibles can save $1,156 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $1,314
• Using low $100 deductibles for comp and collision coverage increases the price to $1,622
• Higher-risk drivers who are prone to accidents and violations could pay around $2,852 or more
• Policy cost to insure a 16-year-old driver can cost $5,046 each year

View Chart as Image

Car insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your risk profile, and the model of your Q3.

Using high physical damage deductibles can save as much as $470 annually, while buying higher liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy ranges from 44% to 136% more than a normal policy. View High Risk Driver Rates

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 $860 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to get quotes from multiple companies. Each auto insurer uses a different method to calculate rates, so rate quotes will be varied.

How to Shop for the Best Audi Q3 Insurance

Finding cheaper rates on insurance for an Audi Q3 takes avoiding accidents and claims, maintaining a good credit score, being claim-free, and avoiding coverage lapses. Make time to compare rates every other policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The points below are a brief recap of the ideas that were touched on in this article.

• Drivers under the age of 20 pay the highest auto insurance rates, possibly costing $421 each month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations may have to pay on average $1,540 more per year to insure an Audi Q3
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• It is possible to save around $160 per year simply by quoting 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.