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.

Estimated insurance rates for an Audi Q3 are $1,370 a year for full coverage insurance. Comprehensive insurance costs on average $268, collision costs $484, and liability costs $460. Liability-only insurance costs as little as $510 a year, with high-risk driver insurance costing $2,976 or more. Teens pay the most at $5,224 a year or more.

Average premium for full coverage: $1,370

Premium estimates by type of coverage:

Prices include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for all Q3 models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can make a big difference on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than cities with more traffic congestion.

The example below illustrates the effect of geographic area on car insurance rates.

These rate differences illustrate why everyone should compare rates based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $790
• Drivers who choose higher $1,000 deductibles will pay around $170 each year
• The estimated price for a 40-year-old good driver with $500 deductibles is $1,370
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $334 annually
• Drivers with serious driving violations could pay upwards of $2,976 or more
• An auto insurance policy that insures a 16-year-old driver for full coverage may cost $5,224 a year

View Chart as Image

Insurance prices for an Audi Q3 also have a wide range based on the model of your Q3, your age and driving record, and policy deductibles and limits.

If you have a few violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 additional annually, depending on your age. Audi Q3 insurance for high-risk drivers can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 per year on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records should be prepared to pay upwards of $5,200 a year. View Rates by Age

Where you choose to live makes a big difference in Audi Q3 insurance prices. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,850 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $510 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $414 more each year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Every company calculates prices differently, and prices will be substantially different.

How to Find the Right Audi Q3 Insurance

Finding better rates on insurance for an Audi Q3 not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Compare rates at least once a year by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The list below is a quick rundown of the primary concepts that were covered in the above illustrations.

• It is possible to save as much as $160 per year simply by quoting online well ahead of the renewal date
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $1,610 more each year for car insurance
• Increasing policy deductibles can save approximately $500 each year
• Teenagers pay higher prices, with premiums being up to $435 per 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.