Audi Q3 Insurance Rates

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UPDATED: Apr 22, 2024

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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 costs around $268, collision costs $484, and liability is $460. Liability-only coverage costs around $510 a year, with high-risk coverage costing around $2,976. Teen drivers pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates for type of coverage:

Comprehensive $268
Collision $484
Liability $460

These estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and for different Q3 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Audi Q3 go from the low end price of $510 for just liability insurance to a much higher rate of $2,976 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,370
High Risk $2,976

Insurance Price Range by Location

Choosing to live in a large city can make a big difference on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

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

Rural Areas $1,028
Small Cities $1,439
Large Cities $1,850

These rate differences highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on price averages.

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

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

More Rate Details

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

  • The lowest rate with discounts is $790
  • Raising to $1,000 deductibles will save about $170 every year
  • The estimated price for a 40-year-old good driver using $500 deductibles is $1,370
  • Choosing more expensive low deductibles bumps up the cost to $1,704
  • Drivers with multiple violations and an at-fault accident could pay at least $2,976 or more
  • An auto insurance policy that insures a 16-year-old driver with full coverage can be $5,224

View Chart as Image

Audi Q3 insurance cost comparison chart
Column chart showing full coverage Audi Q3 insurance rates range from $790 to $5,224

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

If you have a few violations or you caused an accident, you are likely paying at least $1,600 to $2,300 extra annually, depending on your age. High-risk driver insurance is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $5,200 a year. View Rates by Age

Where you choose to live also has a big influence on Audi Q3 insurance prices. A middle-age driver might find prices as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,960 on average in Michigan, New York, and Louisiana.

Audi Q3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$130 -9.5%
Alaska $1,052 -$318 -23.2%
Arizona $1,138 -$232 -16.9%
Arkansas $1,370 -$0 0.0%
California $1,562 $192 14.0%
Colorado $1,310 -$60 -4.4%
Connecticut $1,410 $40 2.9%
Delaware $1,552 $182 13.3%
Florida $1,716 $346 25.3%
Georgia $1,266 -$104 -7.6%
Hawaii $984 -$386 -28.2%
Idaho $928 -$442 -32.3%
Illinois $1,022 -$348 -25.4%
Indiana $1,032 -$338 -24.7%
Iowa $926 -$444 -32.4%
Kansas $1,302 -$68 -5.0%
Kentucky $1,872 $502 36.6%
Louisiana $2,030 $660 48.2%
Maine $846 -$524 -38.2%
Maryland $1,132 -$238 -17.4%
Massachusetts $1,098 -$272 -19.9%
Michigan $2,382 $1,012 73.9%
Minnesota $1,148 -$222 -16.2%
Mississippi $1,642 $272 19.9%
Missouri $1,216 -$154 -11.2%
Montana $1,472 $102 7.4%
Nebraska $1,082 -$288 -21.0%
Nevada $1,646 $276 20.1%
New Hampshire $990 -$380 -27.7%
New Jersey $1,534 $164 12.0%
New Mexico $1,216 -$154 -11.2%
New York $1,444 $74 5.4%
North Carolina $788 -$582 -42.5%
North Dakota $1,122 -$248 -18.1%
Ohio $948 -$422 -30.8%
Oklahoma $1,410 $40 2.9%
Oregon $1,256 -$114 -8.3%
Pennsylvania $1,308 -$62 -4.5%
Rhode Island $1,830 $460 33.6%
South Carolina $1,242 -$128 -9.3%
South Dakota $1,156 -$214 -15.6%
Tennessee $1,200 -$170 -12.4%
Texas $1,654 $284 20.7%
Utah $1,014 -$356 -26.0%
Vermont $940 -$430 -31.4%
Virginia $820 -$550 -40.1%
Washington $1,062 -$308 -22.5%
West Virginia $1,256 -$114 -8.3%
Wisconsin $950 -$420 -30.7%
Wyoming $1,222 -$148 -10.8%

View Chart as Image

Audi Q3 insurance rates by U.S. city

Choosing high deductibles can reduce prices by up to $510 annually, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to compare prices from multiple companies. Every auto insurance company uses a different rate calculation, so the prices will be substantially different.

Audi Q3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Audi Q3 $280 $540 $456 $1,434
2017 Audi Q3 $268 $484 $460 $1,370
2016 Audi Q3 $250 $446 $460 $1,314

Rates are averaged for all Audi Q3 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Cheap Audi Q3 Insurance

Finding better rates on insurance for an Audi Q3 consists of having a good driving record, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Shop around once a year by requesting rates from direct car insurance companies, and also from local insurance agencies.

The next list is a brief summary of the data that was covered in the charts and tables above.

  • You may be able to save up to $160 per year simply by shopping early and online
  • Insureds who may need increased levels of liability coverage will pay about $510 per year to raise from 30/60 bodily injury limits to the 250/500 level
  • Drivers age 20 and younger pay higher prices, with the cost nearing $435 per month if full coverage is included
  • Drivers considered higher risk that tend to have accidents or serious violations may have to pay on average $1,610 more every year to buy Audi Q3 insurance

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.

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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:

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.

Rates by Driver Age

Audi Q3 Insurance Rates by Driver Age
Driver Age Premium
16 $5,224
20 $3,172
30 $1,420
40 $1,370
50 $1,254
60 $1,230

Full coverage, $500 deductibles

Rates by Deductible

Audi Q3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,548
$500 $1,370
$1,000 $1,200

Full coverage, driver age 40

Rates by Liability Limit

Audi Q3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,370
50/100 $1,462
100/300 $1,577
250/500 $1,876
100 CSL $1,508
300 CSL $1,761
500 CSL $1,945

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,440
20 $5,054
30 $3,034
40 $2,976
50 $2,844
60 $2,820

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $192

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $73
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $99
5-yr Claim Free $89
Paid in Full/EFT $61
Advance Quote $67
Online Quote $97
Total Discounts $580
Rate after discounts $790

Discounts are estimated and may not be available from every company or in every state.

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