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 with full coverage. Comprehensive insurance costs an estimated $268, collision costs $484, and liability insurance is $460. Liability-only insurance costs around $510 a year, with high-risk driver insurance costing $2,976 or more. Teens pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates broken down by type of coverage:

Price estimates include $500 deductible amounts, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The price range example below illustrates how your location can change insurance prices.

These rate differences demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than relying on averaged prices.

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

More Rate Information

The chart below details estimated Audi Q3 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $790
• Raising to $1,000 deductibles will save approximately $170 annually
• The average rate for a 40-year-old good driver who has $500 deductibles is $1,370
• Selecting more expensive low deductibles will cost an extra $334 a year
• Higher-risk drivers with serious driving violations could pay up to $2,976 or more
• An auto insurance policy for full coverage for a teen driver with full coverage can cost as much as $5,224

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on your driving characteristics, the trim level and model year, and liability limits and deductibles.

An older driver with no violations or accidents and high deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay at least $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Audi Q3 insurance rates. A middle-age driver might find prices as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $510 each year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you may be forking out $1,600 to $2,300 additional annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out which insurance company is cheapest is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and prices will be substantially different from one company to the next.

How to Find Cheaper Audi Q3 Insurance

Finding better rates on Audi Q3 insurance consists of having a good driving record, having a good credit history, being claim-free, and maximizing policy discounts. Invest the time to shop around every time your policy renews by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the information illustrated above.

• You may be able to save approximately $160 per year simply by shopping early and online
• Drivers age 20 and younger are expensive to insure, possibly costing $435 per month including comprehensive and collision insurance
• Increasing policy deductibles can save around $500 each year
• High-risk drivers with multiple at-fault accidents may pay on average $1,610 more annually to buy Audi Q3 insurance
• Drivers who want increased levels of liability coverage will pay approximately $510 every year to raise from 30/60 bodily injury limits to 250/500 limits

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.