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.

U.S. average insurance prices for an Audi Q3 are $1,314 every 12 months for full coverage. Comprehensive insurance costs on average $250 each year, collision costs $446, and liability insurance is estimated at $460. Liability-only insurance costs approximately $510 a year, with high-risk driver insurance costing $2,852 or more. Teens pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates by individual coverage:

Estimates include $500 deductible amounts, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Q3 models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on car insurance rates.

The ranges above show why all drivers should get quotes based on a specific location and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $762
• Choosing higher $1,000 deductibles can save around $158 a year
• The average price for the average middle-age driver with $500 deductibles is $1,314
• Selecting low deductibles for comp and collision coverage costs an extra $308 a year
• High-risk insureds with serious driving violations could pay upwards of $2,852 or more
• The price to insure a teen driver may cost $5,046 each year

View Chart as Image

Car insurance prices for an Audi Q3 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level of your Q3.

Choosing higher comprehensive and collision insurance deductibles can save as much as $470 each year, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Audi Q3 insurance rates. A good driver about age 40 could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,880 on average in Michigan, Louisiana, and New York.

View Chart as Image

Since prices can be so different, the only way to know exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes may be quite different.

How to Shop for Low Cost Audi Q3 Insurance

Getting lower rates on Audi Q3 insurance takes having a good driving record, maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Make time to compare rates every couple of years by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The next list is a review of the material that was touched on in this article.

• Drivers who require increased levels of liability coverage will pay approximately $510 each year to raise limits from a low limit to a 250/500 level
• Drivers age 20 and younger are expensive to insure, with premiums as much as $421 a month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations pay an average of $1,540 more each year to buy Audi Q3 insurance
• Increasing physical damage deductibles could save as much as $475 each year

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.