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 prices for an Audi Q3 are $1,370 every 12 months including full coverage. Comprehensive costs on average $268, collision insurance costs $484, and liability coverage costs $460. Liability-only insurance costs as little as $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:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than densely populated cities. The example below illustrates how your location can change car insurance rates.

The examples above highlight why everyone should compare rates based on a specific location and their own driving history, rather than using average rates.

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

More Rate Information

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

• The best discount rate is $790
• Drivers who choose higher $1,000 deductibles will pay around $170 every year
• The average price for a good driver age 40 with $500 deductibles is $1,370
• Using pricier low deductibles for comprehensive and collision insurance increases the price to $1,704
• High-risk insureds who are prone to accidents and violations could pay upwards of $2,976
• Policy cost to insure a teenage driver for full coverage may cost $5,224 a year

View Chart as Image

Auto insurance rates for an Audi Q3 also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Q3.

Using high physical damage deductibles could save up to $510 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $414 extra every year. View Rates by Deductible or Liability Limit

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

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,600 to $2,300 in extra premium every year, depending on your age. Audi Q3 insurance for high-risk drivers can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $1,050 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,960 on average in Michigan, New York, and Louisiana.

View Chart as Image

How to Shop for Cheaper Audi Q3 Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The points below are a condensed summary of the car insurance concepts illustrated above.

• Drivers with multiple at-fault accidents may pay on average $1,610 more each year to insure an Audi Q3
• You may be able to save as much as $160 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles could save as much as $500 each year
• Consumers who require increased liability limits will pay an extra $510 per year to go from a 30/60 limit to a 250/500 level

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.