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 rates for an Audi Q3 are $1,370 a year for full coverage insurance. Comprehensive insurance costs around $268 a year, collision insurance costs $484, and liability insurance costs around $460. Liability-only coverage costs as low as $510 a year, and high-risk coverage costs $2,976 or more. 16-year-old drivers cost the most to insure at up to $5,224 a year.

Average premium for full coverage: $1,370

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and Q3 trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities. The diagram below illustrates how location helps determine auto insurance rates.

The examples above illustrate why it is important to compare prices for a specific zip code, rather than relying on rate averages.

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

Detailed Rate Analysis

The chart below illustrates average Audi Q3 insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $790
• Using higher $1,000 deductibles will save about $1,200 each year
• The estimated price for a good driver age 40 using $500 deductibles is $1,370
• Buying low $100 deductibles for physical damage coverage will cost an additional $334 a year
• Drivers with multiple tickets or accidents could pay at least $2,976
• Policy cost that insures a teen driver can be $5,224 or more

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,600 to $2,300 additional every year, depending on your age. A high-risk auto insurance policy can be anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay as much as $5,200 a year. View Rates by Age

Your home state has a huge impact on Audi Q3 insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $510 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $414 more each year. View Rates by Deductible or Liability Limit

How to Find Affordable Audi Q3 Insurance

Finding cheaper rates on Audi Q3 insurance requires being safe and accident-free, having a good credit score, being claim-free, and deciding if full coverage is necessary. Comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from insurance agencies where you live.

Below you'll find a brief review of the information covered in the charts and tables above.

• It is possible to save up to $160 per year just by quoting early and online
• Youthful drivers are charged the highest rates, possibly costing $435 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• High-risk drivers with DUI or reckless driving convictions could be forced to pay on average $1,610 more every year than a low-risk driver
• Drivers who may need more liability protection will pay around $510 annually to increase from a 30/60 limit to the 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.