Insure Your Audi Q3 For Less: Rates & Savings Insights

How much does Audi Q3 insurance cost? We figured rates for both the Premium and Premium Plus models to see how Q3 insurance compared to other compact luxury SUVs.

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  • Drivers can expect to pay on average around $2,596 per year, $1,298 for a 6-month policy, or $216 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 $55 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 $2,524 per year.
  • The Q3 Premium Plus 45 is the most expensive to insure at $2,664 per year.

How much does Audi Q3 car insurance cost?

Audi Q3 car insurance rates average $2,596 a year for a full coverage policy, which is about $216 each month. When split out by coverage type, liability/medical (or PIP) coverage is approximately $836 a year, collision insurance will cost about $1,108, and the remaining comprehensive coverage is approximately $652.

The following chart breaks down average car insurance rates for a 2024 Q3 using different policy risk factors and driver ages.

Average 2024 Audi Q3 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Audi Q3 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2024 model year Audi Q3 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Audi Q3 trim levels.

2024 Audi Q3 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,952$496
Safe Driver Age 20$5,198$433
At-fault Accidents Age 40$3,676$306
Low Deductibles Age 40$3,370$281
Safe Driver Age 30$2,766$231
Safe Driver Age 40$2,596$216
Safe Driver Age 50$2,306$192
High Deductibles Age 40$2,196$183
Safe Driver Age 60$2,156$180
Discount Rate Age 40$2,152$179

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Audi Q3 trim levels. Updated June 26, 2025

In the chart above, Audi Q3 auto insurance prices range from a discounted rate for a 40-year-old driver of $2,152 to the high-risk average rate for a 30-year-old driver of $5,952 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 $9,246 per year, while a 16-year-old female would pay about $8,638. At age 17, males would pay around $8,938 and females $8,578.

The following table shows average Audi Q3 car insurance premiums for the 2015-2024 model years and for various driver ages.

Audi Q3 Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2024 Audi Q3$5,198$2,596$2,156
2023 Audi Q3$4,730$2,348$1,948
2022 Audi Q3$4,590$2,292$1,900
2021 Audi Q3$4,722$2,346$1,952
2020 Audi Q3$4,558$2,264$1,884
2018 Audi Q3$3,936$1,954$1,626
2017 Audi Q3$3,842$1,910$1,590
2016 Audi Q3$3,478$1,730$1,442
2015 Audi Q3$3,162$1,584$1,322

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 June 27, 2025

Average insurance rates for 2015 to 2024 Audi Q3 models for drivers age 20, 40 and 60
Average insurance rates for 2015 to 2024 Audi Q3 models for drivers age 20, 40 and 60

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 $2,596 per year to insure and the category median average cost is $2,541 annually, a difference of $55 per year.

When compared to the most popular models in the 2024 small luxury SUV segment, car insurance for a Audi Q3 costs $168 less per year than the BMW X3, $10 less per year than the Audi Q5, $226 more per year than the Volvo XC60, and $638 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.

Average 2024 Audi Q3 car insurance premium compared to other small luxury SUV models.
Figure 2: Average 2024 Audi Q3 car insurance premium compared to other small luxury SUV models. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Audi Q3. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Audi Q3 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Audi Q3 Insurance Cost Compared to All Small Luxury SUVs
Rank Make and Model Annual Premium Difference
1Acura RDX$1,958-$638
2Lexus NX 250$2,072-$524
3Cadillac XT4$2,114-$482
4Lexus NX 350h$2,210-$386
5Lincoln Corsair$2,236-$360
6Mercedes-Benz GLB 250$2,240-$356
7Lexus UX 250h$2,246-$350
8Lexus NX 450h$2,258-$338
9Mercedes-Benz GLA250$2,282-$314
10Mercedes-Benz GLA35 AMG$2,290-$306
11Land Rover Evoque$2,336-$260
12Lexus NX 350$2,348-$248
13Volvo XC40$2,356-$240
14Volvo XC60$2,370-$226
15Alfa Romeo Tonale$2,376-$220
16Mercedes-Benz GLA45 AMG$2,388-$208
17BMW X1$2,420-$176
18Infiniti QX55$2,424-$172
19Volvo C40$2,442-$154
20BMW X2$2,452-$144
21Lexus RZ 450e$2,478-$118
22Mercedes-Benz EQB 300$2,492-$104
23Mercedes-Benz GLC300$2,512-$84
24Mercedes-Benz EQB 350$2,552-$44
25Genesis GV70$2,582-$14
26Audi Q3$2,596--
27Audi Q5$2,606$10
28Alfa Romeo Stelvio$2,630$34
29Land Rover Range Rover Velar$2,660$64
30BMW X4$2,712$116
31Audi Q4$2,736$140
32BMW X3$2,764$168
33Genesis GV60$2,848$252
34Porsche Macan$2,894$298
35Jaguar I-Pace$2,926$330
36Land Rover Defender$3,042$446
37Jaguar F-Pace$3,130$534
38Aston Martin DBX$4,562$1,966

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 June 26, 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 $2,524 per year. The Premium Plus 40 trim costs around $140 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 Insurance Rates by Trim Level
2024 Audi Q3 Trim Level Annual Premium Cost Per Month
Premium 40$2,524$210
Premium 45$2,590$216
Premium Plus 40$2,604$217
Premium Plus 45$2,664$222

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 June 26, 2025

Insurance cost by trim level for a 2024 Audi Q3 ranging from the Premium 40 model at $2,524 per year to the Premium Plus 45 model at $2,664
Insurance cost by trim level for a 2024 Audi Q3 ranging from the Premium 40 model at $2,524 per year to the Premium Plus 45 model at $2,664

Insurance rates by location

Depending upon where you live, the cost to insure a Q3 spans a wide range, from cheaper rates like $2,244 a year in Columbus, OH or $2,022 in Raleigh, NC, to high rates like $3,818 a year for car insurance in Los Angeles, CA and $3,834 in Philadelphia, PA.

The cost to insure an Audi Q3 in some additional cities include Albuquerque, NM, at $2,660 per year, San Antonio, TX, costing $2,604, Omaha, NE, averaging $2,550, and Louisville, KY, at an estimated $3,698.

The bar chart below illustrates average insurance policy costs for an Audi Q3 for the largest cities in the U.S.

Average car insurance rates for a 2024 Audi Q3 in larger U.S. cities.
Figure 3: Average car insurance rates for a 2024 Audi Q3 in larger U.S. cities. Rates updated on June 26, 2025.

Data Methodology: Average car insurance rates for a 2024 Audi Q3 assume a 40-year-old married male driver with no driving violations or at-fault accidents in the last three years. Comprehensive and collision deductibles are $500, UM/UIM and medical payments coverage is included, and rates are averaged for all trim levels and U.S. Zip Codes.

Audi Q3 Insurance Rates by Location
Location Annual Premium Cost Per Month
New York, NY$4,218$352
Philadelphia, PA$3,834$320
Las Vegas, NV$3,824$319
Los Angeles, CA$3,818$318
San Francisco, CA$3,416$285
Kansas City, MO$3,128$261
Oklahoma City, OK$3,128$261
Denver, CO$3,082$257
Memphis, TN$3,082$257
Atlanta, GA$3,054$255
San Jose, CA$2,990$249
Phoenix, AZ$2,932$244
Portland, OR$2,906$242
San Diego, CA$2,890$241
Boston, MA$2,886$241
Chicago, IL$2,826$236
Dallas, TX$2,792$233
Houston, TX$2,784$232
Seattle, WA$2,778$232
Jacksonville, FL$2,722$227
Nashville, TN$2,704$225
Milwaukee, WI$2,692$224
Albuquerque, NM$2,660$222
San Antonio, TX$2,604$217
Omaha, NE$2,550$213
Fort Worth, TX$2,540$212
Austin, TX$2,518$210
Indianapolis, IN$2,366$197
Columbus, OH$2,244$187
Charlotte, NC$2,180$182

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. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for a 2024 Audi Q3 and all Zip Codes in each city. Updated June 26, 2025