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 costs on average $268, collision insurance costs $484, and liability coverage is estimated at $460. Liability-only insurance costs approximately $510 a year, and high-risk driver insurance costs around $2,976. Teenage drivers cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates by type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than densely populated cities. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Details

The chart below details average Audi Q3 insurance rates for different risk profiles and scenarios.

• The best discount rate is $790
• Choosing higher $1,000 deductibles can save around $170 annually
• The average rate for a good driver age 40 with $500 deductibles is $1,370
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $1,704
• Drivers who are prone to accidents and violations could pay upwards of $2,976
• Policy cost for full coverage for a teenage driver with full coverage may cost $5,224 each year

View Chart as Image

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

An older driver with a good driving record and high deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

Your home state plays a big part in determining prices for Audi Q3 insurance rates. A good driver about age 40 could pay as low as $990 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,850 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $510 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $414 extra every 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 a minimum $1,600 to $2,300 in extra premium every year, depending on your age. High-risk driver insurance ranges around 44% to 130% more than a normal policy. View High Risk Driver Rates

How to Find the Right Audi Q3 Insurance

Finding cheaper rates on auto insurance takes being a good driver, having good credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around every time your policy renews by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a quick rundown of the information raised in the charts and tables above.

• You may be able to save as much as $160 per year just by shopping early and online
• Drivers age 16 to 20 are charged the highest rates, as much as $435 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers with reckless driving or DUI convictions may be required to pay an average of $1,610 more each year than a safer driver
• Consumers who require an increased level of liability coverage will pay an extra $510 every year to raise limits from a 30/60 limit 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.