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 $1,370 a year for full coverage. Comprehensive insurance costs around $268, collision insurance costs $484, and liability insurance costs $460. Buying just liability costs as little as $510 a year, and insurance for high-risk drivers costs $2,976 or more. Teen drivers cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident 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 show why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on price averages.

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

Additional Rate Information

The chart below shows average Audi Q3 insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $790
• Drivers who choose higher $1,000 deductibles will pay about $170 a year
• The estimated price for a good driver age 40 using $500 deductibles is $1,370
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $334 a year
• High risk drivers with multiple violations and an at-fault accident could pay at least $2,976
• Policy cost that insures a teen driver with full coverage can be $5,224 a year

View Chart as Image

Insurance rates for an Audi Q3 also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,600 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

Your home state makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could save up to $510 each year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

How to Find Cheap Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance not only requires avoiding accidents and violations, but also having above-average credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Shop around every year by requesting rates from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the coverage data covered above.

• Drivers can save up to $160 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Teenagers pay higher rates, costing up to $435 each month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations pay on average $1,610 more every year for car insurance

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.