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 auto insurance rates for an Audi Q3 are $1,370 annually including full coverage. Comprehensive insurance costs an estimated $268 each year, collision insurance costs $484, and liability costs around $460. Liability-only coverage costs as low 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 broken down by type of insurance:

Full coverage includes $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how where you live affects insurance prices.

The examples above highlight why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below breaks down average Audi Q3 insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $790
• Using higher $1,000 deductibles will save approximately $170 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,370
• Selecting low deductibles for physical damage coverage costs an additional $334 annually
• High-risk insureds with serious driving violations could pay up to $2,976
• Policy cost with full coverage for a 16-year-old driver can cost as much as $5,224 or more

View Chart as Image

Insurance rates for an Audi Q3 also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Audi Q3 insurance prices. A driver around age 40 might see rates as low as $1,050 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,960 on average in Louisiana, New York, and Michigan.

View Chart as Image

How to Buy More Affordable Audi Q3 Insurance

Finding cheaper rates on insurance for an Audi Q3 requires being a good driver, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at every policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a summary of the data touched on in the above illustrations.

• Insureds who want an increased level of liability coverage will pay approximately $510 per year to increase from a 30/60 limit to higher 250/500 limits
• You may be able to save approximately $160 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $435 each month if they have full coverage

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.