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 including full coverage. Comprehensive costs around $250 a year, collision insurance costs $446, and liability coverage is $460. Liability-only insurance costs around $510 a year, and high-risk driver insurance costs around $2,852. Teen drivers cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates for type of insurance:

Includes $500 physical damage deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how location helps determine auto insurance rates.

The examples above highlight why it is important to compare rates quotes for a specific zip code and their own driving history, rather than using price averages.

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

Rate Comparisons

The chart below breaks down average Audi Q3 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $762
• Raising to $1,000 deductibles will save about $1,156 every year
• The average price for a good driver age 40 using $500 deductibles is $1,314
• Choosing low $100 deductibles increases the price to $1,622
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,852
• Policy cost to insure a teenage driver can be $5,046

View Chart as Image

Auto insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing high deductibles can reduce rates by up to $470 a year, while buying higher liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay as much as $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 likely paying at least $1,600 to $2,200 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 136% more than average. View High Risk Driver Rates

Your home state also has a big influence on Audi Q3 insurance rates. A middle-age driver might find rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,880 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for the Cheapest Audi Q3 Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and possibly raising deductibles. Invest time comparing rates every year by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

Below is a recap of the coverage data covered in the charts and tables above.

• You may be able to save up to $160 per year just by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teenage drivers are expensive to insure, with premiums being up to $421 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be forced to pay on average $1,540 more every year for auto 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.