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

Average premium for full coverage: $1,314

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a targeted area, instead of using price averages.

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

Rate Comparisons

The chart below breaks down estimated Audi Q3 insurance rates for other coverage scenarios.

• The lowest rate with discounts is $762
• Raising to $1,000 deductibles will save approximately $158 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $1,314
• Choosing more expensive low deductibles bumps up the cost to $1,622
• At-risk drivers with multiple violations and an at-fault accident could pay up to $2,852 or more
• The price that insures a teen driver with full coverage can cost as much as $5,046

View Chart as Image

Insurance prices for an Audi Q3 are also quite variable based on the model year and trim level, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,600 to $2,200 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 136% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,000 a year. View Rates by Age

The state you live in also has a big influence on Audi Q3 insurance prices. A middle-age driver might find prices 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

Choosing high deductibles can reduce prices by up to $470 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $414 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different rate calculation, so the prices may be quite different.

How to Find Affordable Audi Q3 Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Shop around at least every other year by getting quotes from direct car insurance companies, and also from your local car insurance providers.

Below is a brief review of the car insurance concepts raised in the charts and tables above.

• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $1,540 more annually for auto insurance
• You may be able to save approximately $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $475 each year
• Policyholders who want higher levels of liability will pay about $510 per year to raise from a low limit to the 250/500 level

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.