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 $1,314 annually with full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $446, and liability costs $460. A liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,852 or more. Teenage drivers pay the most at up to $5,046 a year.

Average premium for full coverage: $1,314

Premium estimates by type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for all Q3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on the price of insurance. Rural locations are statistically proven to have fewer collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These rate differences demonstrate why everyone should compare rates using their 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 Information

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

• The best discount rate is $762
• Drivers who choose higher $1,000 deductibles will pay $158 annually
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $1,314
• Using pricier low deductibles for comprehensive and collision insurance costs an additional $308 annually
• Drivers who are prone to accidents and violations could pay around $2,852
• An auto insurance policy with full coverage for a 16-year-old driver for full coverage can cost $5,046 a year

View Chart as Image

Auto insurance prices for an Audi Q3 also have a wide range based on the model of your Q3, your driving record, and physical damage deductibles and liability limits.

A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,200 in extra premium annually, depending on your age. Audi Q3 insurance for high-risk drivers can cost from 44% to 136% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $470 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live makes a big difference in Audi Q3 insurance prices. A 40-year-old driver could pay as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.

View Chart as Image

How to Buy More Affordable Audi Q3 Insurance

Finding better rates on insurance for an Audi Q3 not only requires having a decent driving record, but also having above-average credit, being claim-free, and possibly higher deductibles. Make time to compare rates every couple of years by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The following items are a summary of the material that was touched on in this article.

• Insureds who purchase additional liability coverage will pay an extra $510 every year to go from 30/60 bodily injury limits to higher 250/500 limits
• 16 to 18-year-old drivers have the highest car insurance prices, possibly costing $421 per month if full coverage is included
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,540 more per year than a driver with a clean driving record
• Increasing policy deductibles could save up to $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.