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, 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. Teenage 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:

Rate estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for different Q3 trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on car insurance rates. Rural areas tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

These examples highlight why anyone shopping for car insurance should compare prices based on a specific location, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $790
• Using higher $1,000 deductibles will save around $170 every year
• The estimated price for a 40-year-old driver with $500 deductibles is $1,370
• Using more expensive low deductibles for physical damage coverage bumps up the cost to $1,704
• Drivers who are prone to accidents and violations could pay upwards of $2,976 or more
• The cost that insures a teen driver with full coverage may cost $5,224 or more

View Chart as Image

Car insurance rates for an Audi Q3 can also vary considerably based on the model year and trim level, 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. High-risk driver insurance can be as much as 44% to 130% more than a normal policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,300 a year for full coverage. Rates are much higher 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 be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $510 every year, while increasing your policy's 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 compare rates and see which company has the best rate. Each insurance company uses a different method to calculate rates, so rate quotes can be significantly different.

How to Find the Best Audi Q3 Insurance

Saving money on car insurance requires having a decent driving record, having a positive credit history, not filing small claims, and maximizing policy discounts. Compare prices at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

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

• Higher risk drivers who tend to receive serious violations could be forced to pay on average $1,610 more each year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, as much as $435 per month if full coverage is purchased
• You may be able to save as much as $160 per year simply by shopping early and online
• Increasing deductibles can save approximately $500 each year
• You may be able to save as much as $160 per year simply 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.