Audi Q3 Insurance Rates

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

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

UPDATED: Jun 6, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Average insurance rates for an Audi Q3 are $1,476 a year with full coverage. Comprehensive insurance costs an estimated $292, collision costs $574, and liability coverage costs $452. Liability-only coverage costs as little as $504 a year, with high-risk coverage costing $3,212 or more. Teen drivers receive the highest rates at $5,564 a year or more.

Average premium for full coverage: $1,476

Rate estimates broken down by individual coverage type:

Comprehensive $292
Collision $574
Liability $452

Rates are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Q3 trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range go from as low as $504 for liability-only coverage to a much higher rate of $3,212 for a high-risk driver policy.

Liability Only $504
Full Coverage $1,476
High Risk $3,212

Price Range by Location

Your location has a large influence on car insurance rates. More rural locations tend to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

These examples demonstrate why anyone shopping for car insurance should compare rates for a targeted area and risk profile, rather than using 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.

Additional Charts and Tables

The chart below details estimated Audi Q3 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $841
  • Drivers who choose higher $1,000 deductibles will pay approximately $196 annually
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,476
  • Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $384 each year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $3,212 or more
  • The cost for full coverage for a teenage driver with full coverage can cost as much as $5,564 a year

View Chart as Image

Audi Q3 insurance cost comparison chart
Column chart showing full coverage Audi Q3 insurance prices range from $841 to $5,564

Car insurance rates for an Audi Q3 can also vary considerably based on your driver profile, the trim level and model year, and liability limits and deductibles.

An older driver with no driving violations and high deductibles may only pay around $1,400 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged at least $5,500 a year. View Rates by Age

Where you live makes a big difference in Audi Q3 insurance rates. A 40-year-old driver could pay as low as $1,060 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,990 on average in New York, Michigan, and Florida.

Audi Q3 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,334 -$142 -9.6%
Alaska $1,132 -$344 -23.3%
Arizona $1,224 -$252 -17.1%
Arkansas $1,476 -$0 0.0%
California $1,680 $204 13.8%
Colorado $1,408 -$68 -4.6%
Connecticut $1,518 $42 2.8%
Delaware $1,670 $194 13.1%
Florida $1,846 $370 25.1%
Georgia $1,362 -$114 -7.7%
Hawaii $1,060 -$416 -28.2%
Idaho $998 -$478 -32.4%
Illinois $1,100 -$376 -25.5%
Indiana $1,110 -$366 -24.8%
Iowa $996 -$480 -32.5%
Kansas $1,402 -$74 -5.0%
Kentucky $2,012 $536 36.3%
Louisiana $2,184 $708 48.0%
Maine $910 -$566 -38.3%
Maryland $1,216 -$260 -17.6%
Massachusetts $1,180 -$296 -20.1%
Michigan $2,562 $1,086 73.6%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,768 $292 19.8%
Missouri $1,308 -$168 -11.4%
Montana $1,584 $108 7.3%
Nebraska $1,164 -$312 -21.1%
Nevada $1,770 $294 19.9%
New Hampshire $1,064 -$412 -27.9%
New Jersey $1,650 $174 11.8%
New Mexico $1,306 -$170 -11.5%
New York $1,554 $78 5.3%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,020 -$456 -30.9%
Oklahoma $1,514 $38 2.6%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,970 $494 33.5%
South Carolina $1,336 -$140 -9.5%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,292 -$184 -12.5%
Texas $1,780 $304 20.6%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $882 -$594 -40.2%
Washington $1,140 -$336 -22.8%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,314 -$162 -11.0%

View Chart as Image

Audi Q3 insurance rates by U.S. city

Choosing high deductibles could save up to $580 a year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will cost as much as $407 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out $1,800 to $2,400 extra per year, depending on your age. High-risk driver insurance can cost around 43% to 136% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see how they stack up. Every company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

Audi Q3 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Audi Q3 $292 $574 $452 $1,476

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 the Best Cheap Audi Q3 Insurance

Saving money on auto insurance not only requires being safe and accident-free, but also having above-average credit, eliminating unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop every time your policy renews by getting rate quotes from direct companies like GEICO and Progressive, and also from local exclusive and independent agents.

Below you'll find a quick review of the information touched on in the above illustrations.

  • You may be able to save approximately $180 per year simply by shopping early and online
  • Youthful drivers have the highest car insurance rates, with premiums as much as $464 per month if full coverage is included
  • Increasing deductibles can save around $575 each year
  • Drivers with a DUI or reckless driving violation may pay on average $1,740 more annually than a low-risk driver
  • Consumers who want more liability protection will pay about $500 every year to go from a minimum 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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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 $5,564
20 $3,430
30 $1,536
40 $1,476
50 $1,348
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Audi Q3 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,860
$250 $1,680
$500 $1,476
$1,000 $1,280

Full coverage, driver age 40

Rates by Liability Limit

Audi Q3 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,566
100/300 $1,679
250/500 $1,973
100 CSL $1,612
300 CSL $1,860
500 CSL $2,041

Full coverage, driver age 40

Rates for High Risk Drivers

Audi Q3 Insurance Rates for High Risk Drivers
Age Premium
16 $7,950
20 $5,468
30 $3,280
40 $3,212
50 $3,070
60 $3,042

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 $211

Potential Rate Discounts

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

Discount Savings
Multi-policy $79
Multi-vehicle $79
Homeowner $22
5-yr Accident Free $111
5-yr Claim Free $97
Paid in Full/EFT $68
Advance Quote $74
Online Quote $105
Total Discounts $635
Rate after discounts $841

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption