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 for full coverage. Comprehensive insurance costs an estimated $250, collision costs $446, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,852 or more. Teenage 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:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all 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 insurance rates. More rural locations have a lower frequency of accident claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, instead of using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $762
• Raising to $1,000 deductibles will save approximately $158 a year
• The average rate for the average middle-age driver who has $500 deductibles is $1,314
• Using more expensive low deductibles will cost an extra $308 every year
• At-risk drivers who are prone to accidents and violations could pay up to $2,852 or more
• The price for full coverage for a teen driver with full coverage can cost as much as $5,046

View Chart as Image

Car insurance prices for an Audi Q3 are also quite variable based on your driving record, the trim level of your Q3, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may pay as little as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged 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 $870 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,880 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $470 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 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

If you have some driving violations or tend to cause accidents, you could be 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 a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see which company has the best price. Every auto insurance company uses a different method to calculate prices, so rate quotes may be quite different from one company to the next.

How to Find the Cheapest Audi Q3 Insurance

Getting lower rates on car insurance consists of being safe and accident-free, having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

Below you'll find a recap of the car insurance concepts covered in the above illustrations.

• Higher risk drivers that have major violations or accidents pay an average of $1,540 more annually than a low-risk driver
• Drivers can save approximately $160 per year simply by shopping early and online
• Increasing physical damage deductibles can save around $475 each year
• Policyholders who want more liability protection will pay an extra $510 each year to raise from a low limit to 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.