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 $1,434 annually with full coverage. Comprehensive costs an estimated $280 each year, collision costs $540, and liability is $456. A liability-only policy costs around $508 a year, with high-risk insurance costing around $3,122. Teens cost the most to insure at $5,438 a year or more.

Average premium for full coverage: $1,434

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Q3 models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on insurance prices.

The examples above demonstrate why all drivers should compare rates quotes for a targeted area and their own personal driving habits, instead of using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $819
• Raising to $1,000 deductibles will save approximately $186 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $1,434
• Selecting low deductibles will cost $1,798
• At-risk drivers with serious driving violations could pay up to $3,122 or more
• Policy cost with full coverage for a teen driver can cost as much as $5,438

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged at least $5,400 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 $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 44% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $550 every year, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $411 extra every 12 months. 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 $1,030 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,940 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes will be varied between companies.

How to Buy Affordable Audi Q3 Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having a good credit score, not filing small claims, and not having any coverage lapses. Take the time to compare rates at least once a year by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a brief review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $170 per year simply by quoting online in advance
• Higher risk drivers with DUI or reckless driving convictions pay on average $1,690 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $550 each year
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $453 each month if comprehensive and collision insurance is included

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.