Audi Q3 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi Q3 is more expensive to insure than the average SUV.
• Full coverage auto insurance for a Q3 averages around $168 monthly, on average, while liability only insurance generally tends to be about $73.
• NationalGeneral offers the lowest average rates for a Q3 with liability only coverage offered for as low as just $29 per month.

Q3 Overview

Coming in with a base MSRP of $35,900 for 2022 models, the Audi Q3 is a great budget-friendly car for drivers of all types. With four different trim levels currently offered, there's something there for every driver.

We sifted through thousands of car insurance quotes on Compare.com, and we've determined that average Audi Q3 insurance rates run around $158 a month. But where does that fall compared to the rest of the market?

How Much is Car Insurance for an Audi Q3?

Looking at the table above, you can see that Audi Q3 insurance prices are right about average compared to other vehicles on the road. Q3 drivers normally pay around $168 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $73 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on these different types of insurance).

Comparing it to other models, the Q3 is more affordable, with premiums about 12% lower than the other vehicle types offered by Audi. Compared to SUV offerings from other brands, auto insurance for a Q3 runs close to average, with full coverage insurance prices coming in at $17 higher than other SUVs and liability insurance rates at $7 cheaper.

The Audi Q3 also has average prices when comparing it to vehicles of any body type, no matter what make, model, or body style they are.

Who has the Cheapest Car Insurance for an Audi Q3?

In the market for a car insurance policy for your Audi Q3? You most likely want to know which carrier offers the lowest prices. Although rates can vary significantly depending on your driver profile, the cheapest average rates for liability only insurance are sometimes as cheap as $29 a month from NationalGeneral and AssuranceAmerica.

StateAuto, Hugo, and Foremost round out the rest of the top 5 list. That being said, just because these five companies offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Audi Q3.

After all, car insurance carriers look at a bunch of things when calculating rates, so your results might be different. By analyzing quotes from several insurance companies at once, you can guarantee you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for an Audi Q3?

There are a lot of factors that car insurance carriers use to determine how much to charge you for auto insurance -- and every company weighs different pieces more heavily than others, so there's not one single carrier that's the lowest for everyone.

Keep reading to learn which variables insurance companies look at and how they affect your final rate:

Vehicle Age

Audi has been making the Q3 for quite some time -- and that means the car's age may make a difference in how much you'll pay for car insurance. Generally, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Q3s begin to depreciate, insurance costs will gradually get lower.

Based on the above table, the Audi Q3 is in line with this trend, as the cheapest models to insure are those that are 6 to 7 years old, while on average, the most expensive models are Q3s that are 2 to 3 years old.

Your Age

Age is another variable that plays a significant role in how much auto insurance carriers will charge. As you can see above, older drivers have cheaper premiums compared to drivers under 24. Audi Q3 drivers 18 to 24 actually pay $58 more than those 25 or older.

Auto insurance prices continue to go down as you get older, with the cheapest age group being 45-54 for Q3 drivers.

Your Gender

Because women are less likely to get into accidents and get tickets, they are less likely to file a claim with insurance. So, women typically pay less for insurance than men. Surprisingly, when it comes to Q3 drivers specifically, women pay around 16% more than men per month for car insurance.

Where You Live

You may think it's obvious that things such as how old you are and what vehicle you drive play a role in your insurance rates, but did you know that where you live matters, too? Since auto insurance is regulated on the state level and not nationally, premiums can differ quite a bit depending on which state you call home.

For example, the average Audi Q3 owner from New York pays about $213 per month for liability coverage, while the same driver from California will pay only 25% of that price, on average.

Audi Q3 Car Insurance Discounts

No matter how old you are, what vehicle you drive, or what state you call home, using as many discounts as possible when it comes to your insurance is always a good idea when shopping around for a policy.

Even though all auto insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:

• Multi-policy discounts for using the same insurance company for both your home and auto insurance
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher than average safety ratings
• Pay-in-full discounts for drivers who agree to pay their entire policy rate at once, rather than by monthly payments
• Multi-car discounts for having more than one vehicle on your auto policy

While discounts are always a good way to save money on your car insurance, sometimes, the best rates come from simply having a favorable insurance profile, which means not having any recent insurance claims or just having a clean driving record.

You obviously can't control every single aspect of your auto insurance profile (like some of the variables we mentioned above), but there is quite a bit of it that you can influence. Below are just a few of the ones you can use in your favor when it comes to saving cash:

Your Driving Record

You've almost certainly observed ads from car insurance carriers promoting large discounts for safe drivers. It makes sense that your insurance prices will go higher if you get into an accident or get tickets for speeding. But how much will they cost you?

According to the table above, accidents will usually cost Q3 drivers more than tickets, but both will result in higher than average rates. Audi Q3 drivers with one accident on their record pay about $76 each month (up $3 from the $73/mo. overall average), while drivers with a single ticket will pay an average of $52 monthly. The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another factor that plays a big role in your auto insurance rates is the total amount of miles you drive. Those who drive less are less likely to get into accidents, so they'll usually get less expensive prices. Above, you can see that Audi Q3 owners who drive fewer than 2,500 miles every year pay an average of $61 per month for insurance, while those who put 10,000 miles or more on their cars pay $64.

But if you drive less often than the average driver or work from home, you might consider learning about usage-based or pay-per-mile car insurance policies. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Audi Q3s Compare to Other Vehicles?

If you're considering buying a new SUV and an Audi Q3 is on your shortlist, it can pay off to do your due diligence. Insurance is just one cost that comes with buying a new car, but it's certainly one that's worth taking into consideration.

Check out the table below to see how the Audi Q3 compares:

With an MSRP that's less than the going rate for a new vehicle, the Audi Q3 is a great value for any budget. While the average vehicle price in the U.S. is $46,192, the Q3 comes in at just $35,900.

Full coverage insurance for an Audi Q3 is around $9 a month cheaper than average, while liability only coverage is a month.

When it comes to usage, Audi Q3 owners drive about the same amount annually as the national average, with 11,894 miles a year compared to 11,617 for all vehicles.

Audi Q3 Car Insurance Costs by Model Year

You've seen how different factors can affect how much you might pay for auto insurance. If you're in thinking about buying a new car, truck, or SUV and the Q3 is on your wishlist, having a good idea of exactly how much you'll pay can be helpful as you consider your options.

2021 Audi Q3 Car Insurance

2021 Q3 drivers can expect to pay an average of $88 monthly for liability or $195 for full coverage.

With rates as little as $26 per month, DirectGeneral offered the most affordable policy we found for the 2021 Audi Q3.

If you want to know exactly how much you can expect to pay for your Q3, get free quotes in minutes by just entering your ZIP code below.

2020 Audi Q3 Car Insurance

The average cost to insure a 2020 Audi Q3 with liability only coverage is $71 a month, while full coverage runs about $178 monthly.

With premiums as cheap as just $25 per month, Liberty Mutual offered the cheapest policy we found.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get several customized quotes for free.

2019 Audi Q3 Car Insurance

It costs around $64 monthly for liability or $160 for a full coverage policy for the 2019 Q3.

Looking for the lowest policy? Workmens offered liability only coverage for as little as just $28 a month.

If you want to know just how much your premium will be, just enter your ZIP code below and get free quotes in minutes.

2018 Audi Q3 Car Insurance

On average, drivers who own a 2018 Audi Q3 can expect to pay $57 to $163 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2018 Audi Q3 insurance policy, Mile Auto offered the most affordable policy we found, with rates as low as $25 a month.

If you want to find the best prices for auto insurance for a 2018 Audi Q3, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

2017 Audi Q3 Car Insurance

You can expect full coverage for a 2017 Q3 to run about $183 per month, while liability only coverage will average around $113 a month.

We found DirectGeneral offered the cheapest policy, with rates sometimes as little as $27 per month.

Want something more accurate than national averages? All you need to do is enter your ZIP code below and you'll be on your way to comparing a range of personalized quotes from the nation's top insurance companies.

2016 Audi Q3 Car Insurance

On average, drivers who own a 2016 Audi Q3 can expect to pay $63 to $160 monthly for liability only and full coverage insurance, respectively.

Infinity has rates as cheap as $23 a month for the 2016 Audi Q3.

These average prices are a great starting point if you're in the market for a 2016 Audi Q3, but there are a variety of different variables that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2015 Audi Q3 Car Insurance

2015 Q3 drivers can expect to pay an average of $60 monthly for liability or $153 for full coverage.

Mercury offered the lowest policy we found, with rates sometimes as low as $28 per month.

Interested in what your car insurance price could look like? Enter your ZIP code below to get a variety of free customized quotes.

Audi Q3 Insurance FAQs

Is an Audi Q3 expensive to insure?

Liability insurance runs an average of $73 a month, while full coverage will cost you around $168. The Audi Q3 is more expensive to insure compared to the average vehicle.

How can I get the best price on car insurance for my Audi Q3?

There's only one way to ensure you're getting the most affordable rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi Q3 affect my insurance rates?

You've probably heard the old adage that it costs more to insure a red car, but that's actually a myth. There are a wide array of factors auto insurance companies look at when they decide how much your policy will be, but the color of your Audi Q3 is not used to make that determination.

Do I need to have insurance before I buy an Audi Q3?

You'll need to have an auto insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. As part of the buying process, some dealerships might offer you a car insurance policy, but the best thing to do when buying a an SUV is to let your car insurance carrier know ahead of time.

What car insurance discounts can I get for my Audi Q3?

You will find a ton of discounts out there when it comes to insurance. Many of them (like "pay-in-full discounts" and "multi-vehicle discounts") are based less on your Q3 and more on you, but if your Q3 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The best way to find out is to contact your insurance company and ask about which discounts they offer.