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 $1,370 a year including full coverage. Comprehensive costs on average $268 a year, collision costs $484, and liability costs around $460. Liability-only coverage costs as low as $510 a year, with high-risk coverage costing around $2,976. Teen drivers receive the highest rates at $5,224 a year or more.

Average premium for full coverage: $1,370

Rate estimates by individual coverage type:

Rates are based on $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the effect of geographic area on car insurance rates.

These examples highlight why it is important to compare prices based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Analysis

The chart below breaks down estimated Audi Q3 insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $790
• Using higher $1,000 deductibles will save around $1,200 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,370
• Choosing low $100 deductibles for physical damage coverage bumps up the cost to $1,704
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,976 or more
• The cost that insures a 16-year-old driver may cost $5,224 or more

View Chart as Image

Car insurance rates for an Audi Q3 can also vary considerably based on the trim level of your Q3, your driving record and age, and policy deductibles and limits.

If you like to drive fast or you caused an accident, you are likely paying at a minimum $1,600 to $2,300 extra per year, depending on your age. A high-risk auto insurance policy can be from 44% to 130% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Where you live has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,960 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut rates by as much as $510 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

How to Find the Best Cheap Audi Q3 Insurance

Saving money on insurance for an Audi Q3 requires not taking risks behind the wheel, having a positive credit history, not filing small claims, and maximizing policy discounts. Shop around every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the material that was covered in the above illustrations.

• Insureds who require higher liability limits will pay about $510 per year to increase from a minimum limit to the 250/500 level
• Teens are expensive to insure, as much as $435 per month if full coverage is purchased
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,610 more each year for Q3 insurance
• Increasing deductibles can save approximately $500 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.