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 for full coverage insurance. Comprehensive insurance costs around $250, collision costs $446, and liability insurance costs around $460. A policy with just liability insurance costs as low as $510 a year, with coverage for high-risk drivers costing $2,852 or more. Teen drivers receive the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Rate estimates for individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance rates. Areas with sparse population tend to have fewer physical damage claims than larger metro areas.

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

These examples illustrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, rather than relying on price averages.

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

More Rate Details

The chart below illustrates estimated Audi Q3 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $762
• Using higher $1,000 deductibles will save about $158 each year
• The estimated rate for a 40-year-old driver using $500 deductibles is $1,314
• Choosing more expensive low deductibles for physical damage coverage costs an additional $308 a year
• Drivers with multiple violations and an at-fault accident could pay at least $2,852 or more
• The cost with full coverage for a teen driver with full coverage can be $5,046 or more

View Chart as Image

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

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay as much as $5,000 a year. View Rates by Age

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

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

Where you live has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see rates as low as $860 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,780 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and rates can be significantly different between companies.

How to Buy More Affordable Audi Q3 Insurance

Saving money on Audi Q3 insurance requires avoiding accidents and violations, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The list below is a summary of the data that was covered in the above illustrations.

• It is possible to save up to $160 per year simply by shopping early and online
• Drivers who may need higher liability limits will pay about $510 annually to increase from a minimum limit to higher 250/500 limits
• Teenagers are charged the highest rates, costing up to $421 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations pay on average $1,540 more every year for car 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.