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 including full coverage. Comprehensive insurance costs approximately $268, collision costs $484, and liability coverage is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,976 or more. 16-year-old drivers 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:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities.

The price range example below illustrates how geographic area affects auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates quotes using their specific location, rather than using rate averages.

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

Detailed Rate Analysis

The chart below breaks down estimated Audi Q3 insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $790
• Raising to $1,000 deductibles will save $170 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,370
• Buying more expensive low deductibles will cost an additional $334 each year
• Unlucky drivers with multiple tickets or accidents could pay around $2,976 or more
• Policy cost that insures a teenage driver with full coverage can 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 driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months 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 in the ballpark of $5,200 a year. View Rates by Age

Your home state also has a big influence on Audi Q3 insurance rates. A middle-age driver might find rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $510 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted rates will be varied.

How to Find the Best Audi Q3 Insurance

Finding cheaper rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Comparison shop every time your policy renews by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The items below are a brief recap of the information presented in the illustrations above.

• You may be able to save around $160 per year simply by shopping early and online
• Teen drivers have the highest car insurance rates, with premiums being up to $435 each month if the policy includes full coverage
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• Drivers who tend to receive serious violations will likely pay on average $1,610 more per year to insure their Q3
• Consumers who purchase more liability coverage will pay around $510 per year to raise 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.