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 costs around $250, collision costs $446, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing around $2,852. Teens pay the highest rates at $5,046 a year or more.

Average premium for full coverage: $1,314

Price estimates for individual coverage:

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for all Q3 models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on auto insurance rates. Areas with sparse population have more infrequent accident claims than cities with more traffic congestion.

The example below illustrates how location helps determine auto insurance rates.

The ranges above show why everyone should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $762
• Using higher $1,000 deductibles will save about $158 a year
• The average price for the average middle-age driver using $500 deductibles is $1,314
• Selecting pricier low deductibles for physical damage coverage increases the price to $1,622
• Drivers with serious driving violations could pay at least $2,852 or more
• The price to insure a teen driver for full coverage can be $5,046 or more

View Chart as Image

Insurance prices for an Audi Q3 are also quite variable based on deductibles and policy limits, your driver profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $470 each year, whereas buying more liability protection will increase prices. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay as much as $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 least $1,600 to $2,200 additional each year, depending on your age. Audi Q3 insurance for high-risk drivers can be anywhere from 44% to 136% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see prices 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 your exact price is to regularly compare prices from as many companies as possible. Each insurance company calculates prices differently, and prices may be quite different.

How to Shop for Cheaper Audi Q3 Insurance

Getting lower rates on Audi Q3 insurance requires avoiding accidents and violations, having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every couple of years by obtaining price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The list below is a condensed summary of the material that was covered in the charts and tables above.

• Drivers who may need higher liability limits will pay approximately $510 each year to increase from a low limit to a 250/500 level
• Teenagers are charged the highest prices, with premiums as much as $421 a month if full coverage is included
• High-risk drivers with multiple at-fault accidents may pay on average $1,540 more every year for car 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.