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 prices for an Audi Q3 are $1,314 every 12 months with full coverage. Comprehensive costs on average $250, collision insurance costs $446, and liability is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $2,852. Teens cost the most to insure at up to $5,046 a year.

Average premium for full coverage: $1,314

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on auto insurance rates. Rural areas are shown to have more infrequent collision claims than cities with more traffic congestion. The example below illustrates the difference location can make on car insurance rates.

The examples above demonstrate why everyone should get quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Rate Comparisons

The chart below details average Audi Q3 insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $762
• Choosing higher $1,000 deductibles can save around $158 annually
• The average price for a good driver age 40 with $500 deductibles is $1,314
• Selecting pricier low deductibles for comp and collision coverage increases the price to $1,622
• Higher-risk drivers with serious driving violations could pay upwards of $2,852
• Policy cost to insure a 16-year-old driver for full coverage may cost $5,046 each year

View Chart as Image

Auto insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your driving record, and the trim level of your Q3.

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Audi Q3 insurance for high-risk drivers ranges from 44% to 136% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Audi Q3 insurance prices. A good driver about age 40 could pay as low as $950 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,780 on average in Florida, Michigan, and New York.

View Chart as Image

How to Shop for the Right Audi Q3 Insurance

Finding cheaper rates on insurance for an Audi Q3 takes being a safe and courteous driver, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Make time to compare rates at every policy renewal by obtaining price quotes from direct companies, and also from local exclusive and independent agents.

Below is a quick rundown of the data touched on in this article.

• Insureds who require higher levels of liability will pay approximately $510 every year to raise limits from a 30/60 limit to a 250/500 level
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $475 each year
• Teenage drivers are charged the highest rates, as much as $421 each month if comprehensive and collision insurance is included

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.