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 insurance rates for an Audi Q3 are $1,314 a year for full coverage. Comprehensive insurance costs an estimated $250 each year, collision insurance costs $446, and liability is $460. A policy with just liability insurance costs around $510 a year, and coverage for high-risk drivers costs $2,852 or more. Teenage drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates broken down by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and Q3 models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than densely populated cities. The graphic below illustrates how where you live affects insurance prices.

These examples show why all drivers should compare rates quotes for a targeted area, 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 shows average Audi Q3 insurance rates for other coverage scenarios.

• The best discount rate is $762
• Raising to $1,000 deductibles will save approximately $158 a year
• The estimated price for a 40-year-old driver who has $500 deductibles is $1,314
• Using low deductibles will cost an additional $308 annually
• Drivers who are prone to accidents and violations could pay up to $2,852
• The cost that insures a 16-year-old driver can cost as much as $5,046

View Chart as Image

Insurance rates for an Audi Q3 can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,600 to $2,200 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $5,000 a year. View Rates by Age

Where you live also has a big influence on Audi Q3 insurance prices. A middle-age driver might find rates as low as $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $470 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Audi Q3 Insurance

Saving money on insurance for an Audi Q3 consists of having a decent driving record, having a good credit score, eliminating unneeded coverage, and possibly raising deductibles. Compare prices every other policy renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a brief review of the ideas that were touched on in the above illustrations.

• 16 to 18-year-old drivers are expensive to insure, costing as high as $421 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,540 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $475 each year
• Drivers can save approximately $160 per year just by quoting online in advance

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.