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 auto insurance rates for an Audi Q3 are $1,370 annually for full coverage. Comprehensive insurance costs on average $268, collision costs $484, and liability is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,976 or more. Teens cost the most to insure at $5,224 a year or more.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer accident claims than cities with more traffic congestion.

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

The examples above show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using averaged prices.

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

Rate Comparisons

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

• The cheapest rate after discounts is $790
• Raising to $1,000 deductibles will save around $170 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,370
• Selecting more expensive low deductibles costs an additional $334 every year
• At-risk drivers with serious driving violations could pay upwards of $2,976 or more
• Policy cost with full coverage for a teen driver with full coverage may cost $5,224

View Chart as Image

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

An older driver with a good driving record and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $510 every year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Audi Q3 insurance prices. A middle-age driver might find rates as low as $900 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

How to Buy More Affordable Audi Q3 Insurance

Finding cheaper rates on car insurance consists of avoiding accidents and claims, having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates at least once a year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a summary of the primary concepts that were covered above.

• Drivers can save as much as $160 per year simply by shopping early and online
• Higher risk drivers who have multiple accidents or major violations may be required to pay an average of $1,610 more each year to insure an Audi Q3
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers under the age of 20 are charged the highest rates, costing up to $435 each month if full coverage is included

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.