Estimates, not quotes

BMW X3 vs Audi Q3 Insurance Cost

The Audi Q3 is cheaper to insure by about $125 a year for full coverage by our estimate ($1,565 vs. $1,440), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageBMW X3Audi Q3Difference
State minimum$585$515+$70
Standard (100/300/100)$845$745+$100
Full coverage$1,565$1,440+$125

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = X3 minus Q3.

Why one costs more to insure

FactorBMW X3Audi Q3
SegmentLuxury SUVLuxury SUV
PowertrainsGasoline, Hybrid, Plug-in hybrid, DieselGasoline
HLDI collision (100 = avg)10897
HLDI comprehensive9285
HLDI property damage liability9484
HLDI bodily injury liability9571
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)112

Collision losses are the biggest swing factor: the BMW X3 has 11 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

X3 vs Q3 insurance by state

StateX3Q3Difference
Alabama$1,370$1,270+$100
Alaska$1,380$1,270+$110
Arizona$1,635$1,505+$130
Arkansas$1,390$1,295+$95
California$1,550$1,435+$115
Colorado$1,775$1,640+$135
Connecticut$1,660$1,520+$140
Delaware$1,730$1,580+$150
District of Columbia$1,985$1,830+$155
Florida$2,205$2,005+$200
Georgia$1,920$1,755+$165
Hawaii$1,090$1,005+$85
Idaho$1,065$985+$80
Illinois$1,365$1,260+$105
Indiana$1,120$1,035+$85
Iowa$1,070$1,000+$70
Kansas$1,255$1,170+$85
Kentucky$1,315$1,210+$105
Louisiana$2,160$1,985+$175
Maine$1,005$930+$75
Maryland$1,755$1,610+$145
Massachusetts$1,545$1,425+$120
Michigan$1,715$1,580+$135
Minnesota$1,310$1,215+$95
Mississippi$1,500$1,390+$110
Missouri$1,425$1,315+$110
Montana$1,255$1,170+$85
Nebraska$1,260$1,175+$85
Nevada$1,780$1,615+$165
New Hampshire$1,120$1,035+$85
New Jersey$1,870$1,705+$165
New Mexico$1,410$1,300+$110
New York$2,085$1,905+$180
North Carolina$1,180$1,100+$80
North Dakota$1,015$950+$65
Ohio$1,125$1,040+$85
Oklahoma$1,415$1,315+$100
Oregon$1,395$1,275+$120
Pennsylvania$1,375$1,275+$100
Rhode Island$1,885$1,725+$160
South Carolina$1,660$1,520+$140
South Dakota$1,205$1,135+$70
Tennessee$1,310$1,215+$95
Texas$1,860$1,720+$140
Utah$1,415$1,290+$125
Vermont$1,030$960+$70
Virginia$1,350$1,240+$110
Washington$1,360$1,240+$120
West Virginia$1,315$1,220+$95
Wisconsin$1,075$995+$80
Wyoming$1,235$1,160+$75

By driver profile (full coverage)

DriverX3Q3
Teen driver (18, own policy)$4,310$3,965
Young adult (22)$2,505$2,310
Adult in their 30s$1,565$1,440
Adult in their 50s$1,440$1,325
Senior (72)$1,755$1,615
30s, one at-fault accident$2,270$2,090
30s, DUI on record$2,900$2,670

More comparisons

Frequently asked questions

Is the BMW X3 or the Audi Q3 cheaper to insure?

By our estimate the Audi Q3 is cheaper, by about $125 a year for full coverage ($1,565 vs. $1,440) for a driver in their 30s with a clean record.

Why does insurance cost differ between the BMW X3 and Audi Q3?

Mostly because of insurance-loss history: HLDI collision indices of 108 vs. 97 and comprehensive indices of 92 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.

Sources used on this page