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 $1,434 a year for full coverage insurance. Comprehensive insurance costs around $280, collision costs $540, and liability is estimated at $456. Liability-only insurance costs approximately $508 a year, with high-risk driver insurance costing $3,122 or more. Teen drivers cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,434

Policy rates for type of insurance:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based 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 $819
• Choosing higher $1,000 deductibles can save about $186 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,434
• Choosing more expensive low deductibles for comp and collision coverage will cost an additional $364 annually
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,122 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $5,438 each year

View Chart as Image

Auto insurance rates for an Audi Q3 also range considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,400 in extra premium every year, depending on your age. High-risk driver insurance ranges from 44% to 132% more than average. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $5,400 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi Q3 insurance prices. A good driver about age 40 could pay as low as $940 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,940 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $550 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $411 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, and quoted rates will be varied.

How to Find the Best Cheap Audi Q3 Insurance

Finding cheaper rates on insurance for an Audi Q3 takes being a safe and courteous driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Shop around every time your policy renews by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a quick review of the information covered above.

• It is possible to save up to $170 per year simply by shopping early and online
• Teenage drivers are expensive to insure, possibly costing $453 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $550 each year
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,690 more every year for auto insurance
• Insureds who may need higher levels of liability will pay about $500 annually to raise limits from a 30/60 limit to the 250/500 level

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.