The Audi Q3 is both practical and pleasant. It's a compact SUV that can fit tight places but has some room. Audi has made the Q3 easy to manage and reliable, scoring it good feedback.
Car insurance for your Audi Q3 needs to be right the first time, and an independent insurance agent will help find a policy that suits your needs and budget.
Not sure where to start?
TrustedChoice.com has a find-an-agent tool that can match you with a local independent insurance agent in your area. Your agent will be able to find accurate and sufficient coverage for your Audi Q3.
What Kind of Insurance Do You Need for Your Audi Q3?
When it comes to insuring your Audi Q3, you have plenty of options. State laws mandate certain coverages and vary depending on where you live. Auto insurance will have some optional coverages that make sense if you want to be well-protected.
Most states mandate the following coverages:
Bodily Injury Liability
If you are in an accident that causes injury to someone else, bodily injury insurance will pay medical expenses and lost wages. This insurance will provide coverage for other drivers, pedestrians, and passengers.
Property Damage Liability
Your property damage liability policy will help pay the bill to replace or repair a building, vehicle, or structure if you or someone driving your car damages another person's property. Property damage liability doesn't cover the damage to your car though.
Many states require this coverage:
Medical Payments/Personal Injury Protection
If you are in an accident and you or your passenger gets injured, medical payments or personal injury protection (PIP) coverage pays for medical expenses. PIP insurance is available in "no-fault" states and is typically a requirement. In every other state, you'll have medical payments coverage.
Uninsured and Underinsured Motorist Coverage
Uninsured and underinsured motorist coverage is essential coverage to obtain. This will help pay the expenses if you are involved in a not-at-fault accident and the other driver has zero insurance or not enough.
Collision coverage will pay the damage to other people's property on your behalf when you cause an accident. Without it, you could be responsible for the cost out of your own pocket.
Your Audi Q3 is at risk, even parked in the comfort of your garage. If a natural disaster, storms, or the like damage your vehicle, comprehensive coverage will kick in.
If you have to replace your Audi Q3's windshield, it could cost you $300 to $600. Instead of paying that cost yourself, you could have your windshield replaced with zero-deductible glass coverage. This policy endorsement is typically just a few dollars additional.
Financing or leasing your Audi Q3 will call for gap coverage. This insurance will pay the difference between the car's worth and the outstanding amount due as a result of a total loss accident. If you don't have gap coverage, you'll be liable for paying the difference.
What Affects the Cost of Insurance for Your Audi Q3
Several factors go into calculating insurance premiums for an Audi Q3. It's more involved than just what car you drive. For instance, young drivers tend to pay higher insurance rates because statistics show that they are more likely to be in an accident. A teen Audi Q3 driver will spend on average of $5,830 per year for insurance. The average lowest rated driver with full coverage is $895 annually. Those with poor driving records and at-fault accidents on their record will pay, on average, $3,448 per year for insurance.
Average Cost of Audi Insurance by Model
The year, make, and model of your Audi will affect your insurance premiums. The rates below assume that the driver has a clean motor vehicle record, is male, and is 40 years old. The policies also have a $500 comprehensive and collision deductible, uninsured/underinsured motorist coverage, and minimum liability limits. Rates are averaged across all 50 states.
|Average annual insurance premium for a new Audi by model|
|Audi A4 allroad||$1,786|
|Audi RS 5||$1,996|
|Audi RS 7||$2,266|
|Audi TT RS||$1,722|
The Safety of Your Audi Q3
Safety affects your insurance premiums by statistically showing how likely you will be to file a claim. Luckily, Audi makes essential safety features standard across its car lineup.
Forward collision warning and rearview camera assist come standard in the Audi Q3. The Audi Q3 also receives high marks with the Insurance Institute of Highway Safety and has a 5-star rating across the board.
How Location Affects Your Audi Q3 Insurance
Depending on what state you live in, it could earn you a lower car insurance premium while your rates could be much higher in other areas. The carriers look at local crime rates, the number of claims reported in a particular area, and traffic patterns.
|Average yearly auto insurance rates are the least expensive in these states:|
|Average yearly auto insurance rates are most expensive in these states:|
Average Cost to Insure a Audi Q3
On average, your Audi Q3's annual auto premiums will run around $1,586 with full coverage. Costs vary according to the type of coverages you choose, where you live, your age, and your driving record.
Here's how Audi Q3 rates change for younger vs. older drivers:
|Audi Q3 rates by age for full coverage with a $500 deductible|
Top Independent Insurance Carriers That Insure the Audi Q3
Getting the right coverage for your Audi Q3 is essential to making sure you are adequately insured, and claims are paid. Your insurance company should be trustworthy and available. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a good recommendation:
Get a Audi Q3 Quote
Reach out to a TrustedChoice.com agent today to get a quote for insurance on your Audi Q3. An independent insurance agent can shop dozens of insurance companies, providing you with the most affordable and complete auto insurance coverage.
TrustedChoice.com Article | Reviewed by Candace Jenkins
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