Acura MDX vs Audi Q3 Insurance Cost
The Acura MDX is cheaper to insure by about $170 a year for full coverage by our estimate ($1,270 vs. $1,440), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Acura MDX | Audi Q3 | Difference |
|---|---|---|---|
| State minimum | $460 | $515 | −$55 |
| Standard (100/300/100) | $665 | $745 | −$80 |
| Full coverage | $1,270 | $1,440 | −$170 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = MDX minus Q3.
Why one costs more to insure
| Factor | Acura MDX | Audi Q3 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid | Gasoline |
| HLDI collision (100 = avg) | 82 | 97 |
| HLDI comprehensive | 82 | 85 |
| HLDI property damage liability | 69 | 84 |
| HLDI bodily injury liability | 56 | 71 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 4 | 2 |
Collision losses are the biggest swing factor: the Audi Q3 has 15 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
MDX vs Q3 insurance by state
By driver profile (full coverage)
| Driver | MDX | Q3 |
|---|---|---|
| Teen driver (18, own policy) | $3,490 | $3,965 |
| Young adult (22) | $2,030 | $2,310 |
| Adult in their 30s | $1,270 | $1,440 |
| Adult in their 50s | $1,165 | $1,325 |
| Senior (72) | $1,420 | $1,615 |
| 30s, one at-fault accident | $1,840 | $2,090 |
| 30s, DUI on record | $2,345 | $2,670 |
More comparisons
Frequently asked questions
Is the Acura MDX or the Audi Q3 cheaper to insure?
By our estimate the Acura MDX is cheaper, by about $170 a year for full coverage ($1,270 vs. $1,440) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Acura MDX and Audi Q3?
Mostly because of insurance-loss history: HLDI collision indices of 82 vs. 97 and comprehensive indices of 82 vs. 85 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.