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 $1,370 a year with full coverage. Comprehensive costs around $268 each year, collision costs $484, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing around $2,976. Teenage drivers receive the highest rates at $5,224 a year or more.

Average premium for full coverage: $1,370

Rate estimates for individual coverage type:

Estimates include $500 deductible amounts, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and Q3 models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on insurance rates. Areas with sparse population tend to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how your location can change auto insurance rates.

These examples demonstrate why all drivers should compare prices for a specific zip code, rather than relying on average rates.

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

More Rate Details

The chart below details estimated Audi Q3 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $790
• Using higher $1,000 deductibles will save about $170 annually
• The estimated price for a 40-year-old driver using $500 deductibles is $1,370
• Using low deductibles for physical damage coverage bumps up the cost to $1,704
• Drivers who are prone to accidents and violations could pay at least $2,976 or more
• The cost that insures a teen driver can be $5,224 or more

View Chart as Image

Insurance rates for an Audi Q3 can also vary considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you may be forking out at least $1,600 to $2,300 additional per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $5,200 a year. View Rates by Age

Where you live has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see rates as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 each year, whereas increasing liability limits will increase rates. Moving 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

With so much variability in rates, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and rates can be significantly different.

How to Find Low Cost Audi Q3 Insurance

Saving money on Audi Q3 insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and taking advantage of discounts. Compare prices at every policy renewal by requesting rates from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The next list is a review of the data illustrated above.

• Drivers who may need increased levels of liability coverage will pay an extra $510 every year to increase from a minimum limit to the 250/500 level
• You may be able to save up to $160 per year simply by quoting online in advance
• Increasing deductibles can save approximately $500 each year
• Drivers age 20 and younger are charged the highest rates, with premiums as much as $435 per month if comprehensive and collision insurance is included

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.