Despite being comparably priced, owning a BMW 3 Series sedan actually costs more than an Audi A4 sedan by several thousand dollars. The BMW Sedan’s higher insurance costs make up for its slightly lower fuel economy and slightly higher repair expenses in terms of real cost of ownership.
An Audi A4 sedan will cost to insure for the first five years of ownership roughly $2,138 per month, or $11,464. A BMW 3 Series car will cost roughly $2,428 per month throughout that time, or an average of $12,580 over the course of five years. Remember that the rates fluctuate throughout the course of the five years, increasing somewhat yearly for both cars. The cost of maintenance and repairs is likely to rise over time, which will raise the risk of accidents as the vehicle matures and push rates up a little bit.
Each person will have a different actual insurance cost for each car. Numerous personal criteria, including as your age, marital status, employment, education, driving record, and credit score, will affect your particular rates. If you have a clean driving record, you can anticipate paying less than the comparative estimate, but if you’ve had a few fines or have a history of late payments on credit cards, your rates may go up. The automobile-specific information that determines the majority of the cost of car insurance is also based on your personal demographics, which account for a large portion of the premium expenses.
By utilizing the discounts that insurance providers provide, you can also lower the cost of premiums. Along with more than a dozen other factors, your career, how far you travel annually, and whether you keep your car in a private garage at night are all eligible for discounts. Additionally, you can enroll in a driver improvement course that is optional and get required insurance discounts for at least three years; in some areas, the discount is valid for five years.
In This Article...
Is an Audi A4 expensive to insure?
Overall, the Audi A4’s insurance costs are reasonable. Before making a decision, you should compare quotations from several insurance companies because prices vary from one to the other.
According to data on the price of Audi A4 insurance, the average yearly premium is $1544, with payments due every month of $129, on average. Drivers with a clean driving record can save an estimated $637 despite the cost being about $25 higher annually than certain other cars. Overall, the Audi A4’s insurance costs are reasonable. Before making a decision, you should compare quotations from several insurance companies because prices vary from one to the other.
Is buying an Audi worthwhile?
The luxury and sophistication associated with the Audi name are typically very expensive. Although purchasing a new Audi may be a wise investment, not everyone wants to pay new-Audi costs. However, you don’t have to buy a new Audi to receive a decent Audi because it is one of the top luxury manufacturers available.
Are insurance costs for BMW high?
How much does insurance for a BMW cost? The price of a BMW goes beyond its higher-than-average MSRP. BMW car insurance runs $1,788 a year, or 25% more than insurance for a regular vehicle. When looking for a coverage, you should exercise caution because BMW insurance is more expensive than the national average.
Is insurance for the Audi Q3 expensive?
The monthly cost of auto insurance for an Audi Q3 is roughly $191, which equates to $2,292 annually, or nearly $1,000 more than the $1,318 national average.
The Audi Q3 is a high-end SUV with a high insurance cost. A Q3 pays $191 per month or $2,292 year on average for insurance, which is about $1,000 more than the national average. However, the yearly insurance costtobase car price ratio is only slightly higher than the national average of 4% with a base price of $31,800, at 7.2 percent. To get a quotation, sort vehicle insurance providers by your state.
Our rate projections are predicated on the driver residing in New York, where the cost of auto insurance is on average $1,173, just under the national average. Your rates could be significantly higher in areas with higher averages, such as New Jersey ($1,905) and Michigan ($2,551). Numerous factors, including location, may influence the cost of your auto insurance.
We gathered quotes from insurance firms using this profile to get our anticipated cost:
- 2017 Audi Q3
- 10,00115,000 miles are logged annually.
- No mishaps in the previous five years.
- Vehicle anti-theft device
- Chauffeur based in New York
- decent credit
Our estimated cost is for basic coverage, which we define as including uninsured motorist, bodily injury, property damage, and personal injury protection in addition to two times the state’s legal minimum.
Other factors that can affect your auto insurance rate
- Year of model Audi Q3
- Trim of the car
- How much insurance you’ll need
- kilometers you’re expected to go each year
- Safety and anti-theft characteristics of the vehicle
- Location and credit rating of the driver
- Age, marital status, and gender of the driver
- driving record for the previous five years
- Regardless of whether the driver owns, leases, or rents the car
How to compare insurance for the Audi Q3
Everyone needs auto insurance, but nobody wants to use it. Since insurance policies can differ widely depending on the provider, shopping for insurance can be difficult. Knowing what coverage and features each policy offers can help you compare your alternatives effectively. Creating a sample policy with all of your desired options and using that template to request quotations from several providers is the easiest way to go about doing this. Here are a few things to think about when doing that.
- Price. Since features and coverage can differ between providers, price is not necessarily the best approach to compare insurance. You should draft a sample policy and use it to request quotes from other insurers in order to compare costs.
- Deductible. Your auto insurance premium may be impacted by the size of your deductible. Select a deductible amount with affordable monthly rates, but be sure you can pay the bill should you need to make a claim.
- Minimum protection. Most states mandate that drivers carry a minimum level of insurance. Make sure the minimal requirements for your state are met before choosing an insurance.
- Additional protection. Using extended coverage, you can modify your insurance to better safeguard your possessions. Make sure to pick a company that offers the options, whether you’re seeking for personal injury protection, medical payments coverage, or any other supplemental coverage.
- Extras. You might be able to purchase policy add-ons like accident forgiveness and roadside help depending on the provider. While some businesses provide these features without charge, others might. Try to include your desired characteristics in your sample policy, if at all possible.
- Restrictions. Before buying an insurance, be aware of any coverage limitations to prevent having claims rejected or coverage gaps.
- manufacturer’s promotion or member discount. Ascertain whether Audi has any agreements with insurance companies to give loyalty programs or exclusive discounts.
- Warranty. To prevent paying for duplicate coverage, find out what is covered by your manufacturer’s warranty or any added warranties.
What factors affect car insurance rates for Audi Q3?
Beyond the driver and geographic considerations, the car you drive has a significant impact on the cost of your auto insurance. Providers consider both your likelihood of making a claim and the expected cost of paying it in order to establish your rates. Since every car is uniquely designed, some are riskier to insure than others due to variables like repair prices, theft rates, and safety ratings. The following features of the Audi Q3 could impact insurance costs:
- sort of body Subcompact crossover SUVs, like the Audi Q3, are typically less expensive to insure than sedans and sports cars.
- vehicle model. Although the Q3 is Audi’s entry-level SUV, it is nevertheless regarded as a luxury car, which could have an impact on insurance costs.
- Theft. SUVs and crossovers are much less likely to be stolen than sedans, which might help lower the cost of car insurance.
- Repairs. Because Audi automobiles are produced in large quantities, finding components and a repair shop is simple. This might result in cheaper premiums.
- safety scores. The Q3 is no exception to the normally high safety ratings of Audi automobiles. This might result in lower insurance rates.
How do trim packages and extra build options affect insurance cost?
Although the Audi Q3 has a variety of safety and driving aids as standard equipment, part of the excitement of purchasing a new automobile is customizing it. If you require extra cargo room, a better engine, or any other choices, Audi makes it simple to customize the Q3 to your requirements. However, the trim and options you select can change how well your car performs, which may have an impact on your auto insurance rates. Here is an example of how different build options could affect your rates using the Q3 Komfort as the base model.
Trim
- Progressiv. A parking system, a rearview camera, LED lights, and more are included in the Progressiv package. The improved safety and visibility may result in decreased insurance rates.
- Technik. Audi Side Assist, Cruise Control, Rain and Light Sensors, and a number of other Driver Assistance Features are all included in the Technik package. You could save money with this package on car insurance.
- Quattro. Audi’s all-wheel drive technology, known as Quattro, is an option on any of the three Q3 trim levels. Since AWD can offer superior handling and traction, adding it might help you lower your rates.
Packages and options
- sporting goods. To improve the appearance and feel of your Q3, this package adds paddle shifters, sport suspension, and other amenities. This package might enhance handling and hence lower premiums.
- Competition Package for S Line. Despite the fact that many of the elements in this package are just decorative, the sports suspension and performance tires can improve handling and lower your insurance costs.
- a trailer hitch. This feature can place greater stress on your car and result in a modest increase in your insurance rates.
Audi Q3 money-saving safety features
If your Audi Q3 has these safety features, you could be able to get a discount on your auto insurance.
- Airbags
- Daylight-saving lighting
- Auto-locking brakes
- anti-theft gadget
- 360-degree camera system
- sensors for parking
- rear backup cameras
- Fog LED lights
- Control for electronic stability
- vehicle seatbelt tensioners
Does the Audi Q3 qualify for auto insurance discounts?
Depending on the carrier you pick, your car can qualify for a variety of auto insurance discounts. However, the precise reductions you get could differ according on your area, the provider, your options, and other aspects. Several of these ought to apply to the Audi Q3:
- discount on new cars
- discount on anti-lock brakes
- discount for anti-theft
- Discount for passive constraint (Airbags, motorized seat belts, etc.)
- Discount for urgent roadside assistance
How reliable is the Audi Q3?
The 2018 Audi Q3 has a 3/5 star reliability rating from U.S. News and J.D. Power, which is approximately average compared to other cars in its class. The consensus among customer reviews for this car seems to be that most owners are happy with their purchase.
Despite the fact that the Audi Q3 was only introduced in 2015, several model years were afflicted by a number of recalls.
- 2016-2017: Nearly 25,000 Audi Q3 models from 2016 and 2017 were recalled due to a problem that prevented the brake lights from turning on during emergency braking if the parking brake was engaged. The side marker lights on some models did not turn on when the parking lights or headlights were on.
- 2015: The side marker light recall also included some 2015 models. A number of 2015 Q3s were also recalled by Audi because the sunroof kept closing even after the engine was turned off.
There aren’t many typical problems with the Audi Q3. Although it has just been produced since 2015, it’s likely that typical problems could arise with more miles. Having said that, among the few concerns, the most frequent issue is the 2016 model’s windshield cracking, which might require a $1,350 repair.
How safe is the Audi Q3?
The Audi Q3 has received excellent safety reviews overall. The 2018 model achieved a perfect 10/10 safety rating from U.S. News and J.D. Power. The IIHS rates it highly overall, with the exception of the headlight area, where it receives a “poor” rating.
Audi Q3 maintenance
Despite being the entry-level crossover SUV from Audi, the Q3 isn’t cheap. The Q3 is a luxurious vehicle with a variety of features that make driving it a pleasure, staying loyal to the Audi brand. But to keep the Q3 operating at its best, just like any other car, it’s crucial to establish a regular maintenance program. Here is what you can anticipate for an Audi Q3 in terms of oil changes, upkeep, and mileage.
- Every 10,000 miles or every 12 months, whichever comes first, Audi advises changing the oil. Depending on where you take your car for repair and how long it’s been since your last oil change, oil changes can cost anywhere from $50 to $150.
- Your Q3 should be taken in for minor repair in accordance with the 2017 Audi maintenance plan every 10,000 miles for the first 20,000 miles. After the first 20,000 miles and every 20,000 miles after the first service visit, regular maintenance should be performed.
- With 20 miles per gallon in the city and 28 miles per gallon on the highway, the 2017 Audi Q3 2.0 averages 23 miles per gallon.
- Additionally, the 2017 Audi Q3 2.0 Quattro has an average fuel economy of 23 mpg, with 20 mpg in the city and 28 mpg on the interstate.
- Audi advises owners to take their Q3 to a dealer for service, although doing so won’t void your warranty. If your car is subject to a recall, you should take it to a certified Audi dealer for service.
- A four-year/50,000-mile warranty and four years of round-the-clock roadside support are included with the 2017 Audi Q3.
Is an extended warranty worth it for the Audi Q3?
A standard four-year, 50,000 mile warranty is included with the Audi Q3. The Audi Certified Plus Limited guarantee is an additional extended warranty provided by Audi. Your coverage is extended for two more years or a maximum of 100,000 additional miles, whichever comes first. Although the majority of Audi cars are dependable, extending an extended warranty can give you extra security and perhaps increase the car’s worth.
About the Audi Q3
Since 2011, the Audi Q3 has been manufactured. The Audi Q3 is a small SUV with a reputation for a comfortable ride and a plush interior. Neither the National Highway Traffic Safety Administration nor the Insurance Institute for Highway Safety have reviewed the 2017 model.
The cost of insurance for an Audi Q3 is calculated by insurance companies using safety ratings, theft statistics, replacement costs, and general damage susceptibility. The place you live in and your driving record can affect your insurance prices. If you’re thinking about buying an Audi Q3, get quotes from different insurance providers to locate the most affordable premium before you decide. Find out if you’re eligible for insurance discounts by doing some research.
Bottom line
Audi’s entry-level crossover SUV is the Q3. This car has a lot of safety and driving aid technologies that you may expect to see on higher-end Audi cars, despite its lower price. Your chances of obtaining auto insurance reductions may be improved by its opulent appearance and excellent safety ratings. With that in mind, comparing your alternatives can help you locate the best coverage and discounts for your Q3 and will also help you save money on auto insurance.
Frequently asked questions about the Audi Q3
For the Audi Q3, there is no one insurance company that is the best. Making a sample policy with the features you require and using it to request quotations from various providers is the easiest method to locate the proper coverage. Finding the best policy should only need evaluating your available options since almost every provider should be able to provide coverage for the Q3.
Yes. Audi’s entry-level crossover SUV is the Q3, but the company also makes two larger variants. The Q5 and Q7 are larger and more expensive, but they might provide more power and space if that’s what you need.
To obtain an insurance that meets your needs, you can either contact your provider or learn more about state minimums here. It’s critical to browse around and select an insurance that not only meets the minimum standards of your state but also works within your budget.