- Drivers can expect to pay on average around $2,660 per year, $1,330 for a 6-month policy, or $222 per month for Audi Q3 insurance, depending on the trim level.
- The 2024 Audi Q3 is one of the more expensive small luxury SUVs to insure, costing $57 more per year on average as compared to the rest of the vehicles in the segment.
- The cheapest Audi Q3 insurance is on the Premium 40 trim level at an average cost of $2,586 per year.
- The Q3 Premium Plus 45 is the most expensive to insure at $2,728 per year.
How much does Audi Q3 car insurance cost?
Audi Q3 car insurance rates average $2,660 a year for a full coverage policy, which is about $222 each month. When split out by coverage type, liability/medical (or PIP) coverage is approximately $856 a year, collision insurance will cost about $1,136, and the remaining comprehensive coverage is approximately $668.
The following chart breaks down average car insurance rates for a 2024 Q3 using different policy risk factors and driver ages.
In the chart above, Audi Q3 auto insurance prices range from a discounted rate for a 40-year-old driver of $2,206 to the high-risk average rate for a 30-year-old driver of $6,102 per year.
Teenage drivers are the most expensive age group to insure. A 16-year-old male driver with a clean driving record would pay around $9,475 per year, while a 16-year-old female would pay about $8,846. At age 17, males would pay around $9,158 and females $8,791.
The following table shows average Audi Q3 car insurance premiums for the 2015-2024 model years and for various driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Audi Q3 | $5,328 | $2,660 | $2,208 |
| 2023 Audi Q3 | $4,846 | $2,404 | $1,994 |
| 2022 Audi Q3 | $4,704 | $2,348 | $1,948 |
| 2021 Audi Q3 | $4,838 | $2,404 | $1,998 |
| 2020 Audi Q3 | $4,672 | $2,320 | $1,932 |
| 2018 Audi Q3 | $4,032 | $2,002 | $1,668 |
| 2017 Audi Q3 | $3,936 | $1,952 | $1,626 |
| 2016 Audi Q3 | $3,560 | $1,772 | $1,476 |
| 2015 Audi Q3 | $3,238 | $1,622 | $1,356 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Audi Q3 trim levels for each model year. Updated October 24, 2025
Is the Audi Q3 expensive to insure?
The Audi Q3 ranks 26th out of 38 total comparison vehicles in the small luxury SUV category. The Q3 costs an estimated $2,660 per year to insure and the category median average cost is $2,603 annually, a difference of $57 per year.
When compared to the most popular models in the 2024 small luxury SUV segment, car insurance for a Audi Q3 costs $170 less per year than the BMW X3, $10 less per year than the Audi Q5, $230 more per year than the Volvo XC60, and $654 more per year than the Acura RDX.
The chart below shows how average 2024 Audi Q3 insurance cost compares against the top 10 selling small luxury SUVs in America. Following the chart, a table is included that ranks all 38 models in the small luxury SUV class for insurance affordability.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Acura RDX | $2,006 | -$654 |
| 2 | Lexus NX 250 | $2,124 | -$536 |
| 3 | Cadillac XT4 | $2,166 | -$494 |
| 4 | Lexus NX 350h | $2,264 | -$396 |
| 5 | Lincoln Corsair | $2,292 | -$368 |
| 6 | Mercedes-Benz GLB 250 | $2,296 | -$364 |
| 7 | Lexus UX 250h | $2,300 | -$360 |
| 8 | Lexus NX 450h | $2,314 | -$346 |
| 9 | Mercedes-Benz GLA250 | $2,340 | -$320 |
| 10 | Mercedes-Benz GLA35 AMG | $2,348 | -$312 |
| 11 | Land Rover Evoque | $2,396 | -$264 |
| 12 | Lexus NX 350 | $2,406 | -$254 |
| 13 | Volvo XC40 | $2,416 | -$244 |
| 14 | Volvo XC60 | $2,430 | -$230 |
| 15 | Alfa Romeo Tonale | $2,434 | -$226 |
| 16 | Mercedes-Benz GLA45 AMG | $2,446 | -$214 |
| 17 | BMW X1 | $2,476 | -$184 |
| 18 | Infiniti QX55 | $2,482 | -$178 |
| 19 | Volvo C40 | $2,502 | -$158 |
| 20 | BMW X2 | $2,510 | -$150 |
| 21 | Lexus RZ 450e | $2,542 | -$118 |
| 22 | Mercedes-Benz EQB 300 | $2,554 | -$106 |
| 23 | Mercedes-Benz GLC300 | $2,572 | -$88 |
| 24 | Mercedes-Benz EQB 350 | $2,614 | -$46 |
| 25 | Genesis GV70 | $2,642 | -$18 |
| 26 | Audi Q3 | $2,660 | -- |
| 27 | Audi Q5 | $2,670 | $10 |
| 28 | Alfa Romeo Stelvio | $2,694 | $34 |
| 29 | Land Rover Range Rover Velar | $2,726 | $66 |
| 30 | BMW X4 | $2,780 | $120 |
| 31 | Audi Q4 | $2,800 | $140 |
| 32 | BMW X3 | $2,830 | $170 |
| 33 | Genesis GV60 | $2,918 | $258 |
| 34 | Porsche Macan | $2,962 | $302 |
| 35 | Jaguar I-Pace | $3,000 | $340 |
| 36 | Land Rover Defender | $3,114 | $454 |
| 37 | Jaguar F-Pace | $3,206 | $546 |
| 38 | Aston Martin DBX | $4,672 | $2,012 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
Which Audi Q3 has the cheapest insurance rates?
For the 2024 model year, the Premium 40 trim is cheapest to insure costing an average of $2,586 per year. The Premium Plus 40 trim costs around $142 more per year to insure.
The next table shows average car insurance rates for different policy terms for each 2024 Audi Q3 trim level.
| 2024 Audi Q3 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premium 40 | $2,586 | $216 |
| Premium 45 | $2,654 | $221 |
| Premium Plus 40 | $2,670 | $223 |
| Premium Plus 45 | $2,728 | $227 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Insurance rates by location
Depending upon where you live, the cost to insure a Q3 spans a wide range, from cheaper rates like $2,294 a year in Columbus, OH or $2,072 in Raleigh, NC, to high rates like $3,864 a year for car insurance in Los Angeles, CA and $3,882 in Philadelphia, PA.
The cost to insure an Audi Q3 in some additional cities include Albuquerque, NM, at $2,708 per year, San Antonio, TX, costing $2,652, Omaha, NE, averaging $2,598, and Louisville, KY, at an estimated $3,748.
The bar chart below illustrates average insurance policy costs for an Audi Q3 for the largest cities in the U.S.
