Audi Q8 Insurance: 2025 Rates, Insights, Comparisons

Are car insurance rates for an Audi Q8 expensive?

We compiled average insurance prices from the least expensive e-tron Premium trim level to the Sportback e-tron Launch Edition model to see how the Q8 ranks when compared to all other midsize luxury SUVs.

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How much does Audi Q8 insurance cost?

Audi Q8 car insurance averages $3,012 annually for a full coverage policy, or $251 if paid each month. With the average 2024 midsize luxury SUV costing $2,782 a year to insure, the Audi Q8 could cost around $230 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.

Average 2024 Audi Q8 insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2024 Audi Q8 insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year Audi Q8 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Audi Q8 trim levels.

2024 Audi Q8 Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,908$576
Safe Driver Age 20$6,056$505
At-fault Accidents Age 40$4,236$353
Low Deductibles Age 40$4,020$335
Safe Driver Age 30$3,222$269
Safe Driver Age 40$3,012$251
Safe Driver Age 50$2,650$221
Discount Rate Age 40$2,500$208
High Deductibles Age 40$2,492$208
Safe Driver Age 60$2,482$207

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Audi Q8 trim levels. Updated June 26, 2025

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 $3,686 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 $792 per year. Serious misdemeanors such as driving under the influence of drugs or alcohol could raise rates by an additional $2,778 or more.
  • Getting older means more affordable car insurance rates. The difference in 2024 Q8 insurance rates between a 60-year-old driver ($2,482 per year) and a 30-year-old driver ($3,222 per year) is $740, 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 $512 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 $520 per year for a 40-year-old driver and $1,014 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 $538 per year for a 40-year-old driver and $1,074 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 $473 per year compared to a credit score ranging from 670-739. Conversely, a lesser credit rating could cost as much as $548 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 $662 more per year than the Lexus RX 350, $20 more than the BMW X5, $670 more than the Acura MDX, and $802 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 $3,012 per year for full coverage insurance and the segment average is $2,782 annually, a difference of $230 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.

Average 2024 Audi Q8 car insurance premium compared to other midsize luxury SUV models.
Figure 2: Average 2024 Audi Q8 car insurance premium compared to other midsize luxury SUV models. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for a 2024 model year Audi Q8. Rated driver is a 40-year-old married male driver with a clean driving record and no at-fault accidents. Average premium includes all Audi Q8 trim levels. Comprehensive and collision deductibles are $500 and rates are averaged for all U.S. states.

Audi Q8 Insurance Cost Compared to All Midsize Luxury SUVs
Rank Make and Model Annual Premium Difference
1Jaguar E-Pace$2,190-$822
2Cadillac XT5$2,210-$802
3Infiniti QX50$2,276-$736
4Cadillac XT6$2,292-$720
5Infiniti QX60$2,304-$708
6Mercedes-Benz AMG GLB35$2,308-$704
7Acura MDX$2,342-$670
8Lexus RX 350$2,350-$662
9Lexus TX 350$2,380-$632
10Lexus RX 350h$2,410-$602
11Lexus TX 500h$2,446-$566
12Lexus RX 500h$2,454-$558
13Lincoln Nautilus$2,472-$540
14Lexus RX 450h$2,476-$536
15Volvo V90$2,496-$516
16Audi SQ5$2,584-$428
17Mercedes-Benz GLE350$2,616-$396
18Lincoln Aviator$2,636-$376
19Lexus GX 550$2,664-$348
20Volvo V60$2,742-$270
21Land Rover Discovery Sport$2,746-$266
22Mercedes-Benz GLE450$2,758-$254
23Cadillac Lyriq$2,784-$228
24Volvo EX90$2,806-$206
25Audi Q7$2,842-$170
26Genesis GV80$2,854-$158
27Mercedes-Benz AMG GLC43$2,868-$144
28Audi e-tron$2,920-$92
29Tesla Model X$2,944-$68
30BMW X5$2,992-$20
31Audi Q8$3,012--
32Land Rover Discovery$3,026$14
33Mercedes-Benz AMG GLE53$3,046$34
34Audi SQ7$3,148$136
35BMW iX$3,192$180
36BMW X6$3,272$260
37Land Rover Range Rover Sport$3,410$398
38Audi RS 6$3,482$470
39Porsche Cayenne$3,506$494
40BMW XM$3,844$832
41Mercedes-Benz AMG GLE63$3,948$936

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 June 27, 2025

What is the cheapest Audi Q8 insurance?

With Audi Q8 insurance rates ranging from $2,868 to $3,134 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 $2,930 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 $3,078,  $3,084, and $3,134 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 Insurance Rates by Trim Level
2024 Audi Q8 Trim Level Annual Premium Cost Per Month
e-tron Premium$2,868$239
Sportback e-tron Premium$2,930$244
e-tron Premium Plus$2,944$245
Sportback e-tron Premium Plus$3,000$250
e-tron Prestige$3,044$254
e-tron Launch Edition$3,078$257
Sportback e-tron Prestige$3,084$257
Sportback e-tron Launch Edition$3,134$261

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 June 27, 2025

Insurance cost by trim level for a 2024 Audi Q8 ranging from the e-tron Premium model at $2,868 per year to the Sportback e-tron Launch Edition model at $3,134
Insurance cost by trim level for a 2024 Audi Q8 ranging from the e-tron Premium model at $2,868 per year to the Sportback e-tron Launch Edition model at $3,134

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 $2,866 per year to insure, or around $239 per month. Rates range from $2,630 per year for the Q8 Premium to $3,146 for the Q8 RS.

2022 Audi Q8 Insurance Cost by Trim Level
2022 Audi Q8 Trim Level Annual Premium Cost Per Month
Premium$2,630$219
Premium Plus$2,696$225
Prestige$2,786$232
S Premium Plus$2,936$245
S Prestige$2,996$250
RS$3,146$262

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 June 27, 2025

Insurance cost by trim level for a 2022 Audi Q8 ranging from the Premium model at $2,630 per year to the RS model at $3,146
Insurance cost by trim level for a 2022 Audi Q8 ranging from the Premium model at $2,630 per year to the RS model at $3,146

2021 Audi Q8 insurance rates

Average insurance rates for a 2021 Audi Q8 are $2,560 per year, or around $213 per month. Rates range from $2,482 per year for the Q8 3.0 Quattro Premium AWD to $2,608 for the Q8 3.0 Quattro Prestige S-Line AWD.

2021 Audi Q8 Insurance Cost by Trim Level
2021 Audi Q8 Trim Level Annual Premium Cost Per Month
3.0 Quattro Premium AWD$2,482$207
3.0 Quattro Premium Plus AWD$2,546$212
3.0 Quattro Premium Plus S-Line AWD$2,550$213
3.0 Quattro Prestige AWD$2,608$217
3.0 Quattro Prestige S-Line AWD$2,608$217

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 June 26, 2025

Insurance cost by trim level for a 2021 Audi Q8 ranging from the 3.0 Quattro Premium AWD model at $2,482 per year to the 3.0 Quattro Prestige S-Line AWD model at $2,608
Insurance cost by trim level for a 2021 Audi Q8 ranging from the 3.0 Quattro Premium AWD model at $2,482 per year to the 3.0 Quattro Prestige S-Line AWD model at $2,608

2020 Audi Q8 insurance rates

Average insurance rates for a 2020 Audi Q8 are $2,472 per year, or around $206 per month. Rates range from $2,398 per year for the Q8 3.0 Quattro Premium AWD to $2,522 for the Q8 3.0 Quattro Prestige S-Line AWD.

2020 Audi Q8 Insurance Cost by Trim Level
2020 Audi Q8 Trim Level Annual Premium Cost Per Month
3.0 Quattro Premium AWD$2,398$200
3.0 Quattro Premium Plus AWD$2,460$205
3.0 Quattro Premium Plus S-Line AWD$2,460$205
3.0 Quattro Prestige AWD$2,522$210
3.0 Quattro Prestige S-Line AWD$2,522$210

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 June 26, 2025

Insurance cost by trim level for a 2020 Audi Q8 ranging from the 3.0 Quattro Premium AWD model at $2,398 per year to the 3.0 Quattro Prestige S-Line AWD model at $2,522
Insurance cost by trim level for a 2020 Audi Q8 ranging from the 3.0 Quattro Premium AWD model at $2,398 per year to the 3.0 Quattro Prestige S-Line AWD model at $2,522

2019 Audi Q8 insurance rates

Insurance rates for a 2019 Audi Q8 average $2,510 per year, or about $209 per month. Rates range from $2,438 per year for the Q8 3.0 Quattro Premium AWD to $2,558 for the Q8 3.0 Quattro Prestige S-Line AWD.

2019 Audi Q8 Insurance Cost by Trim Level
2019 Audi Q8 Trim Level Annual Premium Cost Per Month
3.0 Quattro Premium AWD$2,438$203
3.0 Quattro PremiumPlus AWD$2,498$208
3.0 Quattro PremiumPlus S-Line AWD$2,498$208
3.0 Quattro Prestige AWD$2,558$213
3.0 Quattro Prestige S-Line AWD$2,558$213

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 June 26, 2025

Insurance cost by trim level for a 2019 Audi Q8 ranging from the 3.0 Quattro Premium AWD model at $2,438 per year to the 3.0 Quattro Prestige S-Line AWD model at $2,558
Insurance cost by trim level for a 2019 Audi Q8 ranging from the 3.0 Quattro Premium AWD model at $2,438 per year to the 3.0 Quattro Prestige S-Line AWD model at $2,558