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 auto insurance rates for an Audi Q3 are $1,314 annually with full coverage. Comprehensive costs approximately $250, collision costs $446, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,852. Teen drivers pay the most at $5,046 a year or more.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

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

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a significant impact on the price of insurance. Rural locations are statistically proven to have fewer collision 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 demonstrate why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $762
• Using higher $1,000 deductibles will save $158 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,314
• Choosing more expensive low deductibles for physical damage coverage will cost $1,622
• Drivers with multiple violations and an at-fault accident could pay around $2,852 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $5,046 or more

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on the model of your Q3, your driving record, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 extra annually, depending on your age. High-risk driver insurance can be anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $470 each year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

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

View Chart as Image

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices from as many companies as possible. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

How to Buy Affordable Audi Q3 Insurance

Finding better rates on Audi Q3 insurance requires having a decent driving record, having a good credit history, being claim-free, and maximizing policy discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a brief review of the primary concepts that were covered above.

• You may be able to save around $160 per year simply by shopping early and online
• High-risk drivers with DUI or reckless driving convictions may pay on average $1,540 more per year than a driver with a clean driving record
• Increasing policy deductibles could save up to $475 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $421 per month including comprehensive and collision insurance

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.