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.

U.S. average auto insurance rates for an Audi Q3 are $1,314 annually including full coverage. Comprehensive insurance costs approximately $250 each year, collision insurance costs $446, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs $2,852 or more. Teen drivers pay the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Price estimates by individual coverage:

Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Q3 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can make a big difference on car insurance prices. Rural locations have fewer comprehensive and collision claims than larger metro areas. The graphic below illustrates how rural and urban location affects auto insurance prices.

The ranges above highlight why all drivers should get quotes using their specific location and their own personal driving habits, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below breaks down average Audi Q3 insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $762
• Choosing higher $1,000 deductibles can save $158 every year
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $1,314
• Choosing low deductibles for comp and collision coverage costs an additional $308 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,852
• The price with full coverage for a 16-year-old driver can cost $5,046 each year

View Chart as Image

Car insurance prices for an Audi Q3 are also quite variable based on the trim level and model year, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will be charged in the ballpark of $5,000 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $470 annually, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Audi Q3 insurance prices. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Cheapest Audi Q3 Insurance

Getting lower rates on insurance for an Audi Q3 takes being a low-risk driver, having a good credit score, being claim-free, and attention to physical damage deductibles. Set aside time to shop around at least every other year by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The items below are a recap of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk that have major violations or accidents may have to pay on average $1,540 more per year to insure their Q3
• You may be able to save around $160 per year just by quoting online in advance
• Increasing physical damage deductibles could save up to $475 each year
• Insureds who purchase more liability coverage will pay about $510 per year to raise limits from a low limit to higher 250/500 limits

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.