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.

Estimated insurance rates for an Audi Q3 are $1,370 a year including full coverage. Comprehensive insurance costs approximately $268 a year, collision costs $484, and liability costs around $460. Liability-only insurance costs as low as $510 a year, with high-risk driver insurance costing $2,976 or more. 16-year-old drivers pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Full coverage includes $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 U.S. states and Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why it is important to compare prices using their specific location, instead of using rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $790
• Using higher $1,000 deductibles will save $1,200 every year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,370
• Buying low $100 deductibles for physical damage coverage will cost an additional $334 every year
• Drivers with multiple tickets or accidents could pay around $2,976 or more
• An auto insurance policy that insures a teen driver can cost $5,224 or more

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on the trim level of your Q3, your driving record and age, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are likely paying anywhere from $1,600 to $2,300 additional annually, depending on your age. A high-risk auto insurance policy can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age

Where you choose to live has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see prices 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 could cut prices by as much as $510 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out who has the best auto insurance prices is to get quotes and see which company has the best price. Each insurance company utilizes a different rate formula, and prices will be substantially different.

How to Find More Affordable Audi Q3 Insurance

Finding better rates on car insurance requires being a low-risk driver, having a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Comparison shop at every other renewal by getting quotes from direct car insurance companies, and also from local auto insurance providers.

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

• Higher risk drivers who have multiple accidents or major violations will likely pay on average $1,610 more per year to insure their Q3
• Teen drivers are the costliest to insure, with the cost nearing $435 per month if comprehensive and collision insurance is included
• You may be able to save around $160 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $500 each year
• You may be able to save around $160 per year simply by quoting 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.