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.

Estimated auto insurance rates for an Audi Q3 are $1,370 annually for full coverage insurance. Comprehensive costs on average $268, collision costs $484, and liability costs around $460. A policy with only liability insurance costs as low as $510 a year, with a high-risk policy costing around $2,976. Teenage drivers pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Estimates include $500 physical damage deductibles, 30/60 liability coverage, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how where you live affects car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Details

The chart below illustrates estimated Audi Q3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $790
• Using higher $1,000 deductibles will save around $170 each year
• The estimated rate for a 40-year-old good driver with $500 deductibles is $1,370
• Using more expensive low deductibles for physical damage coverage will cost $1,704
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,976 or more
• An auto insurance policy with full coverage for a 16-year-old driver with full coverage may cost $5,224 or more

View Chart as Image

Car insurance prices for an Audi Q3 also have a wide range based on the model of your Q3, your risk profile, and policy deductibles and limits.

An older driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance can be from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $510 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each insurance company uses a different method to calculate prices, so rate quotes will be substantially different between companies.

How to Buy Low Cost Audi Q3 Insurance

Finding better rates on insurance for an Audi Q3 requires being a safe and courteous driver, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every year by obtaining price quotes from direct insurance companies, and also from local exclusive and independent agents.

Below is a review of the coverage data touched on in the above illustrations.

• It is possible to save as much as $160 per year simply by shopping early and online
• Increasing policy deductibles could save up to $500 each year
• Teenage drivers are expensive to insure, with premiums being up to $435 per month if comprehensive and collision insurance is included
• Drivers considered higher risk who have several accidents or serious violations may pay on average $1,610 more each year for auto insurance

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.