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 with full coverage. Comprehensive insurance costs around $268, collision insurance costs $484, and liability insurance costs $460. Liability-only coverage costs as little as $510 a year, and high-risk coverage costs $2,976 or more. Teens cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than cities with more traffic congestion. The price range example below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on averaged prices.

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

Rate Comparisons

The chart below details average Audi Q3 insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $790
• Drivers who choose higher $1,000 deductibles will pay about $170 annually
• The average rate for a good driver age 40 using $500 deductibles is $1,370
• Selecting more expensive low deductibles for comprehensive and collision insurance will cost an extra $334 a year
• High risk drivers with serious driving violations could pay at least $2,976
• Policy cost for full coverage for a teen driver with full coverage can be $5,224 a year

View Chart as Image

Insurance rates for an Audi Q3 also range considerably based on your risk profile, the trim level and model year, and deductibles and policy limits.

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

Your home state makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

How to Find More Affordable Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance not only requires being safe and accident-free, but also having a good credit history, not filing small claims, and deciding if full coverage is necessary. Invest the time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a summary of the data that was presented in the illustrations above.

• You may be able to save up to $160 per year just by shopping early and online
• Drivers who may need more liability protection will pay approximately $510 every year to go from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, as much as $435 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations pay an average of $1,610 more every year than a low-risk driver

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.