- Audi Q8 car insurance costs an average of $3,082 per year, or around $257 per month for full coverage.
- The Q8 is one of the more expensive midsize luxury SUVs to insure, costing $232 more per year on average as compared to the rest of the vehicles in the segment.
- The cheapest trim level of Audi Q8 to insure is the e-tron Premium at $2,936 per year.
How much does Audi Q8 insurance cost?
Audi Q8 car insurance averages $3,082 annually for a full coverage policy, or $257 if paid each month. With the average 2024 midsize luxury SUV costing $2,850 a year to insure, the Audi Q8 could cost around $232 more each year to insure.
The following chart illustrates average 2024 Audi Q8 insurance cost using variations of driver age and risk profiles. Middle-age drivers with good driving records tend to have the cheapest car insurance rates on an Audi Q8, whereas younger and higher-risk drivers pay higher rates.
Due to the wide range of car insurance rates on a Q8, it’s nearly impossible to put them all in a single chart. Below are some additional rates and situations that could affect the cost of your next auto insurance policy.
- High-risk drivers pay a lot more for insurance. For a 30-year-old driver, having too many accidents or violations could raise rates by $3,776 or more per year.
- Obey driving laws to keep rates low. To get the cheapest Audi Q8 car insurance rates, it pays to avoid traffic tickets. As few as two minor incidents on your driving report can potentially raise Q8 insurance cost by at least $814 per year. Serious misdemeanors such as driving under the influence of drugs or alcohol could raise rates by an additional $2,852 or more.
- Getting older means more affordable car insurance rates. The difference in 2024 Q8 insurance rates between a 60-year-old driver ($2,544 per year) and a 30-year-old driver ($3,302 per year) is $758, or a savings of 25.9%.
- Policy discounts equal cheaper Q8 insurance rates. Discounts may be available if the insured drivers are military or federal employees, are loyal customers, take a defensive driving course, are claim-free, or many other discounts which could save the average driver as much as $522 per year on the cost of insuring a Q8.
- Auto insurance is cheaper with higher deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $530 per year for a 40-year-old driver and $1,040 per year for a 20-year-old driver.
- Low physical damage deductibles may be wasting money. Decreasing deductibles from $500 to $250 could cost an additional $554 per year for a 40-year-old driver and $1,104 per year for a 20-year-old driver.
- Excellent credit scores get the best rates. Having a credit score above 800 could save as much as $484 per year compared to a credit score ranging from 670-739. Conversely, a lesser credit rating could cost as much as $561 more per year. Not all states allow credit to be used as a rating factor, so your mileage may vary on this one.
How does Audi Q8 insurance cost compare?
When compared to other midsize luxury SUVs, insurance for a Audi Q8 costs $676 more per year than the Lexus RX 350, $14 more than the BMW X5, $686 more than the Acura MDX, and $818 more than the Cadillac XT5.
The Audi Q8 ranks 31st out of 41 total comparison vehicles in the 2024 midsize luxury SUV category. The Q8 costs an average of $3,082 per year for full coverage insurance and the segment average is $2,850 annually, a difference of $232 per year.
The chart below shows how car insurance rates for a 2024 Audi Q8 compare to the top 10 best-selling midsize luxury SUVs like the Lexus RX 350, BMW X5, and the Cadillac XT5. We also include a table following the chart ranking insurance affordability for the entire midsize luxury SUV category.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Jaguar E-Pace | $2,242 | -$840 |
| 2 | Cadillac XT5 | $2,264 | -$818 |
| 3 | Infiniti QX50 | $2,330 | -$752 |
| 4 | Cadillac XT6 | $2,348 | -$734 |
| 5 | Infiniti QX60 | $2,358 | -$724 |
| 6 | Mercedes-Benz AMG GLB35 | $2,364 | -$718 |
| 7 | Acura MDX | $2,396 | -$686 |
| 8 | Lexus RX 350 | $2,406 | -$676 |
| 9 | Lexus TX 350 | $2,440 | -$642 |
| 10 | Lexus RX 350h | $2,468 | -$614 |
| 11 | Lexus TX 500h | $2,506 | -$576 |
| 12 | Lexus RX 500h | $2,514 | -$568 |
| 13 | Lincoln Nautilus | $2,534 | -$548 |
| 14 | Lexus RX 450h | $2,538 | -$544 |
| 15 | Volvo V90 | $2,558 | -$524 |
| 16 | Audi SQ5 | $2,646 | -$436 |
| 17 | Mercedes-Benz GLE350 | $2,680 | -$402 |
| 18 | Lincoln Aviator | $2,698 | -$384 |
| 19 | Lexus GX 550 | $2,728 | -$354 |
| 20 | Volvo V60 | $2,808 | -$274 |
| 21 | Land Rover Discovery Sport | $2,814 | -$268 |
| 22 | Mercedes-Benz GLE450 | $2,826 | -$256 |
| 23 | Cadillac Lyriq | $2,852 | -$230 |
| 24 | Volvo EX90 | $2,876 | -$206 |
| 25 | Audi Q7 | $2,912 | -$170 |
| 26 | Genesis GV80 | $2,926 | -$156 |
| 27 | Mercedes-Benz AMG GLC43 | $2,938 | -$144 |
| 28 | Audi e-tron | $2,994 | -$88 |
| 29 | Tesla Model X | $3,016 | -$66 |
| 30 | BMW X5 | $3,068 | -$14 |
| 31 | Audi Q8 | $3,082 | -- |
| 32 | Land Rover Discovery | $3,100 | $18 |
| 33 | Mercedes-Benz AMG GLE53 | $3,120 | $38 |
| 34 | Audi SQ7 | $3,224 | $142 |
| 35 | BMW iX | $3,272 | $190 |
| 36 | BMW X6 | $3,350 | $268 |
| 37 | Land Rover Range Rover Sport | $3,492 | $410 |
| 38 | Audi RS 6 | $3,564 | $482 |
| 39 | Porsche Cayenne | $3,594 | $512 |
| 40 | BMW XM | $3,938 | $856 |
| 41 | Mercedes-Benz AMG GLE63 | $4,046 | $964 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated October 24, 2025
What is the cheapest Audi Q8 insurance?
With Audi Q8 insurance rates ranging from $2,936 to $3,210 per year, the cheapest trim level to insure is the e-tron Premium. The next cheapest model to insure is the Sportback e-tron Premium at $3,002 per year.
At the more expensive end of the Q8 car insurance cost range, the three most expensive Q8 models to insure are the Audi Q8 e-tron Launch Edition, the Sportback e-tron Prestige, and the Sportback e-tron Launch Edition trim levels at around $3,152, $3,158, and $3,210 per year, respectively.
The table below shows average insurance rates for annual and 6-month policy terms, in addition to a monthly amount for budgeting, for each Audi Q8 model trim level.
| 2024 Audi Q8 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| e-tron Premium | $2,936 | $245 |
| Sportback e-tron Premium | $3,002 | $250 |
| e-tron Premium Plus | $3,016 | $251 |
| Sportback e-tron Premium Plus | $3,074 | $256 |
| e-tron Prestige | $3,116 | $260 |
| e-tron Launch Edition | $3,152 | $263 |
| Sportback e-tron Prestige | $3,158 | $263 |
| Sportback e-tron Launch Edition | $3,210 | $268 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Audi Q8 prior model year insurance rates
The following sections detail Audi Q8 insurance rates for every trim level since the 2019 model year.
2022 Audi Q8 insurance rates
A 2022 Audi Q8 costs an average of $2,934 per year to insure, or around $245 per month. Rates range from $2,694 per year for the Q8 Premium to $3,220 for the Q8 RS.
| 2022 Audi Q8 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| Premium | $2,694 | $225 |
| Premium Plus | $2,760 | $230 |
| Prestige | $2,852 | $238 |
| S Premium Plus | $3,006 | $251 |
| S Prestige | $3,068 | $256 |
| RS | $3,220 | $268 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2021 Audi Q8 insurance rates
Average insurance rates for a 2021 Audi Q8 are $2,620 per year, or around $218 per month. Rates range from $2,542 per year for the Q8 3.0 Quattro Premium AWD to $2,670 for the Q8 3.0 Quattro Prestige S-Line AWD.
| 2021 Audi Q8 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 3.0 Quattro Premium AWD | $2,542 | $212 |
| 3.0 Quattro Premium Plus AWD | $2,608 | $217 |
| 3.0 Quattro Premium Plus S-Line AWD | $2,612 | $218 |
| 3.0 Quattro Prestige AWD | $2,670 | $223 |
| 3.0 Quattro Prestige S-Line AWD | $2,670 | $223 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2020 Audi Q8 insurance rates
Average insurance rates for a 2020 Audi Q8 are $2,532 per year, or around $211 per month. Rates range from $2,456 per year for the Q8 3.0 Quattro Premium AWD to $2,582 for the Q8 3.0 Quattro Prestige S-Line AWD.
| 2020 Audi Q8 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 3.0 Quattro Premium AWD | $2,456 | $205 |
| 3.0 Quattro Premium Plus AWD | $2,520 | $210 |
| 3.0 Quattro Premium Plus S-Line AWD | $2,520 | $210 |
| 3.0 Quattro Prestige AWD | $2,582 | $215 |
| 3.0 Quattro Prestige S-Line AWD | $2,582 | $215 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
2019 Audi Q8 insurance rates
Insurance rates for a 2019 Audi Q8 average $2,570 per year, or about $214 per month. Rates range from $2,498 per year for the Q8 3.0 Quattro Premium AWD to $2,618 for the Q8 3.0 Quattro Prestige S-Line AWD.
| 2019 Audi Q8 Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| 3.0 Quattro Premium AWD | $2,498 | $208 |
| 3.0 Quattro PremiumPlus AWD | $2,558 | $213 |
| 3.0 Quattro PremiumPlus S-Line AWD | $2,558 | $213 |
| 3.0 Quattro Prestige AWD | $2,618 | $218 |
| 3.0 Quattro Prestige S-Line AWD | $2,618 | $218 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Updated October 24, 2025
