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 rates for an Audi Q3 are $1,314 a year for full coverage. Comprehensive costs on average $250, collision insurance costs $446, and liability coverage costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs around $2,852. Teenage 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:

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

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on car insurance rates. Rural areas tend to have lower incidents of accident claims than densely populated cities. The price range example below illustrates how location helps determine car insurance rates.

These examples show why anyone shopping for car insurance should compare rates based on a specific location, rather than using average rates.

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

Rate Comparisons

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

• The best discount rate is $762
• Drivers who choose higher $1,000 deductibles will pay around $158 a year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,314
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,622
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,852
• The cost that insures a teenage driver with full coverage may cost $5,046 a year

View Chart as Image

Auto insurance rates for an Audi Q3 can also vary considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you could be paying at a minimum $1,600 to $2,200 in extra premium per year, depending on your age. High-risk driver insurance can cost around 44% to 136% more than a normal policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every year. View Rates by Deductible or Liability Limit

How to Find More Affordable Audi Q3 Insurance

Saving money on auto insurance not only requires having a decent driving record, but also maintaining a good credit score, eliminating unneeded coverage, and deciding if full coverage is necessary. Compare prices at every other renewal by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following items are a summary of the concepts that were covered in the charts and tables above.

• Drivers who have multiple accidents or major violations may pay on average $1,540 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are charged the highest rates, costing as high as $421 per month if the policy includes full coverage
• Drivers can save as much as $160 per year just by shopping early and online
• Increasing deductibles can save approximately $475 each year
• Drivers can save as much as $160 per year just by shopping early and online

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.