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 $1,370 annually with full coverage. Comprehensive insurance costs around $268 a year, collision costs $484, and liability coverage is $460. Buying just liability costs around $510 a year, with insurance for high-risk drivers costing $2,976 or more. Teenage drivers cost the most to insure at $5,224 a year or more.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes additional medical/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 has a large influence on insurance rates. Areas with sparse population are shown to have fewer collision claims than densely populated cities.

The diagram below illustrates how geographic area affects auto insurance rates.

The examples above demonstrate why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Additional Rate Analysis

The chart below details estimated Audi Q3 insurance rates for additional coverage choices and driver risks.

• The best discount rate is $790
• Raising to $1,000 deductibles will save about $1,200 annually
• The estimated rate for a good driver age 40 using $500 deductibles is $1,370
• Using low $100 deductibles costs an additional $334 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $2,976 or more
• Policy cost with full coverage for a teenage driver can be $5,224

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 deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $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 can expect to pay as much as $5,200 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 least $1,600 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce rates by up to $510 a year, while buying higher liability limits will increase rates. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $414 more per year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Audi Q3 insurance rates. A middle-age driver might find rates 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

Because rates have so much variability, the best way to find out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate rates, so the rates will be varied between companies.

How to Buy the Best Cheap Audi Q3 Insurance

Finding cheaper rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Invest the time to compare rates at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The following is a quick review of the primary concepts that were presented in the illustrations above.

• You may be able to save up to $160 per year simply by quoting early and online
• Drivers with a DUI or reckless driving violation may pay on average $1,610 more every year for Q3 insurance
• Increasing comprehensive and collision deductibles could save up to $500 each year
• Teens pay higher rates, as much as $435 each month including comprehensive and collision insurance

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.