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 $1,522 annually with full coverage. Comprehensive insurance costs on average $304 a year, collision costs $618, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $3,322 or more. Teenage drivers cost the most to insure at $5,716 a year or more.

Average premium for full coverage: $1,522

Policy rates by type of insurance:

Includes $500 policy deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on auto insurance rates. Rural areas are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above demonstrate why it is important to compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $861
• Raising to $1,000 deductibles will save around $1,312 annually
• The estimated rate for a good driver age 40 with $500 deductibles is $1,522
• Using low $100 deductibles costs an additional $410 annually
• Drivers who are prone to accidents and violations could pay upwards of $3,322 or more
• Policy cost with full coverage for a 16-year-old driver may cost $5,716

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out at a minimum $1,800 to $2,500 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 44% to 132% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $620 annually, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Audi Q3 insurance prices. A middle-age driver might find rates as low as $1,100 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $2,060 on average in Florida, Michigan, and New York.

View Chart as Image

Because rates have so much variability, the best way to find out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company uses a different method to calculate rates, and rates will be varied between companies.

How to Buy the Cheapest Audi Q3 Insurance

Finding cheaper rates on insurance for an Audi Q3 consists of being a good driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The following list is a recap of the car insurance concepts raised in the charts and tables above.

• Drivers considered higher risk that have major violations or accidents pay an average of $1,800 more each year than a safer driver
• You may be able to save as much as $190 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $625 each year
• Insureds who require an increased level of liability coverage will pay an extra $490 every year to raise from a 30/60 limit to higher 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.