Volvo XC60 vs Audi Q3 Insurance Cost
The Volvo XC60 is cheaper to insure by about $165 a year for full coverage by our estimate ($1,275 vs. $1,440), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Volvo XC60 | Audi Q3 | Difference |
|---|---|---|---|
| State minimum | $435 | $515 | −$80 |
| Standard (100/300/100) | $630 | $745 | −$115 |
| Full coverage | $1,275 | $1,440 | −$165 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = XC60 minus Q3.
Why one costs more to insure
| Factor | Volvo XC60 | Audi Q3 |
|---|---|---|
| Segment | Luxury SUV | Luxury SUV |
| Powertrains | Gasoline, Hybrid, Plug-in hybrid | Gasoline |
| HLDI collision (100 = avg) | 80 | 97 |
| HLDI comprehensive | 93 | 85 |
| HLDI property damage liability | 65 | 84 |
| HLDI bodily injury liability | 47 | 71 |
| NHTSA overall rating | 5★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 5 | 2 |
Collision losses are the biggest swing factor: the Audi Q3 has 17 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
XC60 vs Q3 insurance by state
By driver profile (full coverage)
| Driver | XC60 | Q3 |
|---|---|---|
| Teen driver (18, own policy) | $3,510 | $3,965 |
| Young adult (22) | $2,045 | $2,310 |
| Adult in their 30s | $1,275 | $1,440 |
| Adult in their 50s | $1,175 | $1,325 |
| Senior (72) | $1,430 | $1,615 |
| 30s, one at-fault accident | $1,850 | $2,090 |
| 30s, DUI on record | $2,360 | $2,670 |
More comparisons
Frequently asked questions
Is the Volvo XC60 or the Audi Q3 cheaper to insure?
By our estimate the Volvo XC60 is cheaper, by about $165 a year for full coverage ($1,275 vs. $1,440) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Volvo XC60 and Audi Q3?
Mostly because of insurance-loss history: HLDI collision indices of 80 vs. 97 and comprehensive indices of 93 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.