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.

Average auto insurance rates for an Audi Q3 are $1,314 annually including full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $446, and liability insurance is estimated at $460. A liability-only policy costs approximately $510 a year, and high-risk insurance costs $2,852 or more. Teen drivers receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and for different Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on car insurance prices. Rural locations tend to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how rural and urban location affects auto insurance prices.

These examples highlight why anyone shopping for car insurance should get quotes using their specific location and their own personal driving habits, rather than relying on price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $762
• Choosing higher $1,000 deductibles can save $158 every year
• The estimated rate for a 40-year-old driver who chooses $500 deductibles is $1,314
• Choosing more expensive low deductibles for comp and collision coverage costs an additional $308 a year
• High-risk insureds with multiple violations and an at-fault accident could pay around $2,852
• The cost with full coverage for a teen driver with full coverage can cost $5,046 each year

View Chart as Image

Insurance rates for an Audi Q3 can also vary considerably based on the trim level of your Q3, your driving characteristics, and physical damage deductibles and liability limits.

An older driver with a clean driving record and high physical damage deductibles could pay as little as $1,200 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they can expect to pay in the ballpark of $5,000 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance ranges anywhere from 44% to 136% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $470 each year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $414 more per year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Audi Q3 insurance rates. A good driver about age 40 could pay as low as $1,010 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,880 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy the Best Audi Q3 Insurance

Saving money on Audi Q3 insurance takes being a low-risk driver, having a good credit history, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every policy renewal by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from local insurance agencies.

The items below are a brief recap of the data raised in the charts and tables above.

• Drivers who purchase more liability coverage will pay about $510 per year to raise limits from a minimum limit to higher 250/500 limits
• You may be able to save around $160 per year just by shopping early and online
• Increasing deductibles could save up to $475 each year
• Teen drivers are expensive to insure, as much as $421 per month including comprehensive and collision 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.