- Drivers can expect to pay on average around $1,868 per year, $934 for a 6-month policy, or $156 per month for Audi Q3 insurance, depending on the trim level.
- The 2023 Audi Q3 is one of the cheaper small luxury SUVs to insure, costing $92 less per year on average as compared to the rest of the vehicles in the segment.
- The cheapest Audi Q3 insurance is on the Premium S-line 45 trim level at an average cost of $1,836 per year.
- The Q3 Premium Plus S-line 45 is the most expensive to insure at $1,900 per year.
How much does Audi Q3 car insurance cost?
Audi Q3 car insurance rates average $1,868 a year for a full coverage policy, which is about $156 each month. When split out by coverage type, liability/medical (or PIP) coverage is approximately $584 a year, collision insurance will cost about $832, and the remaining comprehensive coverage is approximately $452.
The following chart breaks down average car insurance rates for a 2023 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 $1,550 to the high-risk average rate for a 30-year-old driver of $4,242 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 $6,690 per year, while a 16-year-old female would pay about $5,890. At age 17, males would pay around $6,256 and females $5,560.
The following table shows average Audi Q3 car insurance premiums for the 2015-2023 model years and for various driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Audi Q3 | $3,716 | $1,868 | $1,670 |
| 2022 Audi Q3 | $3,608 | $1,824 | $1,626 |
| 2021 Audi Q3 | $3,710 | $1,870 | $1,668 |
| 2020 Audi Q3 | $3,666 | $1,842 | $1,648 |
| 2018 Audi Q3 | $3,226 | $1,618 | $1,446 |
| 2017 Audi Q3 | $3,148 | $1,582 | $1,412 |
| 2016 Audi Q3 | $2,922 | $1,464 | $1,312 |
| 2015 Audi Q3 | $2,658 | $1,342 | $1,202 |
Is the Audi Q3 expensive to insure?
The Audi Q3 ranks 17th out of 37 total comparison vehicles in the small luxury SUV category. The Q3 costs an estimated $1,868 per year to insure and the category median average cost is $1,960 annually, a difference of $92 per year.
When compared to the most popular models in the 2023 small luxury SUV segment, car insurance for a Audi Q3 costs $264 less per year than the BMW X3, $174 less per year than the Audi Q5, $16 more per year than the Volvo XC60, and $360 more per year than the Acura RDX.
The chart below shows how average 2023 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 37 models in the small luxury SUV class for insurance affordability.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Acura RDX | $1,508 | -$360 |
| 2 | Cadillac XT4 | $1,634 | -$234 |
| 3 | Volvo XC40 | $1,664 | -$204 |
| 4 | Lexus UX 250h | $1,694 | -$174 |
| 5 | Mercedes-Benz GLA250 | $1,756 | -$112 |
| 6 | Mercedes-Benz GLB 250 | $1,762 | -$106 |
| 7 | Lexus NX 250 | $1,786 | -$82 |
| 8 | Lexus NX 350h | $1,806 | -$62 |
| 9 | Lexus NX 350 | $1,818 | -$50 |
| 10 | Lincoln Corsair | $1,820 | -$48 |
| 11 | Lexus NX 450h | $1,826 | -$42 |
| 12 | BMW X1 | $1,838 | -$30 |
| 13 | Alfa Romeo Tonale | $1,842 | -$26 |
| 14 | Mercedes-Benz GLC300 | $1,844 | -$24 |
| 15 | Lexus RZ 450e | $1,848 | -$20 |
| 16 | Volvo XC60 | $1,852 | -$16 |
| 17 | Audi Q3 | $1,868 | -- |
| 18 | Land Rover Evoque | $1,878 | $10 |
| 19 | Volvo C40 | $1,894 | $26 |
| 20 | Infiniti QX55 | $1,958 | $90 |
| 21 | Mercedes-Benz GLA35 AMG | $1,964 | $96 |
| 22 | Genesis GV70 | $1,998 | $130 |
| 23 | Mercedes-Benz EQB 300 | $2,008 | $140 |
| 24 | Genesis GV60 | $2,010 | $142 |
| 25 | Mercedes-Benz GLA45 AMG | $2,020 | $152 |
| 26 | Alfa Romeo Stelvio | $2,028 | $160 |
| 27 | Audi Q5 | $2,042 | $174 |
| 28 | Land Rover Range Rover Velar | $2,050 | $182 |
| 29 | Mercedes-Benz EQB 350 | $2,052 | $184 |
| 30 | BMW X4 | $2,092 | $224 |
| 31 | Land Rover Defender | $2,098 | $230 |
| 32 | Jaguar F-Pace | $2,106 | $238 |
| 33 | Audi Q4 | $2,120 | $252 |
| 34 | Porsche Macan | $2,122 | $254 |
| 35 | BMW X3 | $2,132 | $264 |
| 36 | Jaguar I-Pace | $2,252 | $384 |
| 37 | Aston Martin DBX | $3,514 | $1,646 |
Which Audi Q3 has the cheapest insurance rates?
For the 2023 model year, the Premium S-line 45 trim is cheapest to insure costing an average of $1,836 per year. The Premium S-line 45 trim costs around $64 more per year to insure.
The next table shows average car insurance rates for different policy terms for each 2023 Audi Q3 trim level.
| Audi Q3 Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| Premium S-line 45 | $1,836 | $918 | $153 |
| Premium Plus S-line 45 | $1,900 | $950 | $158 |
Insurance rates by location
Depending upon where you live, the cost to insure a Q3 spans a wide range, from cheaper rates like $1,390 a year in Columbus, OH or $1,180 in Raleigh, NC, to high rates like $2,868 a year for car insurance in Los Angeles, CA and $2,886 in Philadelphia, PA.
The cost to insure an Audi Q3 in some additional cities include Albuquerque, NM, at $1,780 per year, San Antonio, TX, costing $1,726, Omaha, NE, averaging $1,674, and Louisville, KY, at an estimated $2,760.
The bar chart below illustrates average insurance policy costs for an Audi Q3 for the largest cities in the U.S.
