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 rates for an Audi Q3 are $1,314 a year for full coverage insurance. Comprehensive insurance costs approximately $250, collision costs $446, and liability coverage costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,852 or more. Teens cost the most to insure at $5,046 a year or more.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using averaged prices.

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

Rate Comparisons

The chart below illustrates estimated Audi Q3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $762
• Using higher $1,000 deductibles will save $158 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,314
• Selecting more expensive low deductibles for physical damage coverage will cost an extra $308 each year
• Higher-risk drivers with serious driving violations could pay around $2,852 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $5,046 or more

View Chart as Image

Insurance rates for an Audi Q3 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high deductibles may only pay around $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,780 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $470 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be around 44% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.

How to Find Cheaper Audi Q3 Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, maintaining good credit, being claim-free, and maximizing policy discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The points below are a condensed summary of the material that was touched on in the above illustrations.

• Consumers who purchase increased liability limits will pay approximately $510 annually to increase from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are expensive to insure, possibly costing $421 each month for full coverage
• Drivers with multiple at-fault accidents may pay on average $1,540 more per year to insure an Audi Q3
• Increasing comprehensive and collision deductibles can save around $475 each year

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.