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.

The average insurance rates for an Audi Q3 are $1,476 a year for full coverage insurance. Comprehensive costs approximately $292, collision costs $574, and liability insurance is estimated at $452. A liability-only policy costs approximately $504 a year, with high-risk insurance costing around $3,212. Teens cost the most to insure at $5,564 a year or more.

Average premium for full coverage: $1,476

Policy rates by type of insurance:

Includes $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for all Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance prices.

The examples above illustrate why everyone should get quotes using their specific location and risk profile, rather than relying on averaged prices.

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

Additional Rate Details

The chart below illustrates estimated Audi Q3 insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $841
• Choosing higher $1,000 deductibles can save $196 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,476
• Selecting pricier low deductibles for comp and collision coverage will increase the cost to $1,860
• High-risk insureds with serious driving violations could pay around $3,212 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $5,564 each year

View Chart as Image

Car insurance rates for an Audi Q3 also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with no driving violations and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi Q3 insurance rates. A good driver about age 40 could pay as low as $970 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,990 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $580 each year, whereas buying more liability protection will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,800 to $2,400 extra every year, depending on your age. Audi Q3 insurance for high-risk drivers ranges anywhere from 43% to 136% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to regularly compare rates from as many companies as possible. Each auto insurer calculates rates differently, so rate quotes will be varied from one company to the next.

How to Find the Cheapest Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance takes being a low-risk driver, having above-average credit, being claim-free, and avoiding coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The items below are a recap of the information touched on above.

• It is possible to save around $180 per year simply by quoting online well ahead of the renewal date
• Teen drivers pay the highest auto insurance rates, possibly costing $464 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $575 each year
• High-risk drivers that have major violations or accidents may pay on average $1,740 more per year to insure their Q3
• Drivers who purchase more liability coverage will pay approximately $500 annually to raise limits from a 30/60 limit to 250/500 limits

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.