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 insurance prices for an Audi Q3 are $1,314 every 12 months for full coverage. Comprehensive insurance costs around $250, collision insurance costs $446, and liability costs $460. A policy with just liability insurance costs as little as $510 a year, and coverage for high-risk drivers costs $2,852 or more. Teens receive the highest rates at up to $5,046 a year.

Average premium for full coverage: $1,314

Rate estimates for individual coverage type:

Prices include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all states and for all Q3 models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on auto insurance rates. Areas with sparse population tend to have more infrequent accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance rates.

These examples show why everyone should compare rates for a specific zip code 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 shows average Audi Q3 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $762
• Drivers who choose higher $1,000 deductibles will pay about $158 a year
• The average price for a 40-year-old driver using $500 deductibles is $1,314
• Selecting pricier low deductibles for comprehensive and collision insurance costs an extra $308 annually
• Drivers with serious driving violations could pay at least $2,852
• The cost to insure a 16-year-old driver for full coverage can be $5,046 a year

View Chart as Image

Insurance rates for an Audi Q3 can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level and model year.

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

A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay as much as $5,000 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying at least $1,600 to $2,200 additional per year, depending on your age. Audi Q3 insurance for high-risk drivers can cost from 44% to 136% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Audi Q3 insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

How to Shop for the Right Audi Q3 Insurance

Saving money on insurance for an Audi Q3 not only requires avoiding accidents and claims, but also having above-average credit, eliminating unneeded coverage, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick rundown of the material that was raised in the charts and tables above.

• Insureds who may need increased liability limits will pay approximately $510 each year to go from a minimum limit to a 250/500 level
• Drivers under the age of 20 are charged the highest rates, costing as high as $421 per month if full coverage is included
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,540 more every year to insure an Audi Q3
• Increasing deductibles could save as much as $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.