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 insurance rates for an Audi Q3 are $1,314 a year for full coverage. Comprehensive insurance costs an estimated $250 each year, collision costs $446, and liability coverage is $460. A liability-only policy costs around $510 a year, with high-risk insurance costing $2,852 or more. Teenage drivers pay the most at $5,046 a year or more.

Average premium for full coverage: $1,314

Premium estimates broken down by type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Q3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on insurance rates. More rural locations are statistically proven to have lower incidents of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences show why all drivers should compare rates quotes for a targeted area, rather than using average rates.

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

Additional Rate Details

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 estimated price for a 40-year-old good driver who has $500 deductibles is $1,314
• Using low deductibles will cost an additional $308 each year
• Unlucky drivers who are prone to accidents and violations could pay up to $2,852 or more
• An auto insurance policy that insures a teenage driver can cost as much as $5,046

View Chart as Image

Auto insurance prices for an Audi Q3 also have a wide range based on the trim level and model year, how you drive, and liability limits and deductibles.

If you have a few violations or you caused an accident, you could be paying $1,600 to $2,200 in extra premium annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $5,000 a year. View Rates by Age

Where you choose to live also has a big influence on Audi Q3 insurance rates. 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 a year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices will be substantially different.

How to Find Low Cost Audi Q3 Insurance

Finding better rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and qualifying for all possible discounts. Compare prices every year by obtaining price quotes from direct carriers, and also from your local independent and exclusive agents.

The items below are a review of the coverage data covered above.

• Drivers can save approximately $160 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $475 each year
• Teen drivers are the costliest to insure, as much as $421 per month if the policy includes full coverage
• Drivers who have several accidents or serious violations may pay on average $1,540 more annually to insure their Q3

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.