Audi Q8 Insurance Cost – 2022 Rates and Comparisons

How do Audi Q8 insurance rates compare to the competition? We compare insurance cost from the 3.0 Quattro Premium up to the Prestige S-Line AWD to see how rates stack up.

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How much does Audi Q8 insurance cost?

Audi Q8 car insurance averages $1,966 annually for a full coverage policy, or $164 if paid each month. With the average 2022 midsize luxury SUV costing $1,843 a year to insure, the Audi Q8 could cost around $123 more each year to insure.

The following chart illustrates average 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on November 10, 2022
Audi Q8 Insurance Cost Summary
Audi Q8 Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,480$373
Safe Driver Age 20$3,924$327
At-fault Accidents Age 40$2,756$230
Low Deductibles Age 40$2,648$221
Safe Driver Age 30$2,096$175
Safe Driver Age 40$1,966$164
Safe Driver Age 50$1,790$149
Safe Driver Age 60$1,760$147
Discount Rate Age 40$1,634$136
High Deductibles Age 40$1,620$135

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 $2,384 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 $512 per year. Serious misdemeanors such as driving under the influence of drugs or alcohol could raise rates by an additional $1,806 or more.
  • Getting older means more affordable car insurance rates. The difference in 2022 Q8 insurance rates between a 60-year-old driver ($1,760 per year) and a 30-year-old driver ($2,096 per year) is $336, or a savings of 16%.
  • 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 $332 per yearon 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 $346 per year for a 40-year-old driver and $684 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 $364 per year for a 40-year-old driver and $722 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 $309 per year compared to a credit score ranging from 670-739. Conversely, a lesser credit rating could cost as much as $358 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 $396 more per year than the Lexus RX 350, $28 more than the BMW X5, $388 more than the Acura MDX, and $466 more than the Cadillac XT5.

The Audi Q8 ranks #25 out of 36 total comparison vehicles in the 2022 midsize luxury SUV category. The Q8 costs an average of $1,966 per year for full coverage insurance and the segment average is $1,843 annually, a difference of $123 per year.

The chart below shows how car insurance rates for a 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Audi Q8, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Audi Q8 trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 10, 2022
Audi Q8 vs Top 10 Midsize Luxury SUVs Insurance Cost Comparison
Audi Q8 Insurance Cost Compared to All Midsize Luxury SUVs
Rank Make/Model Insurance Cost Difference
1Cadillac XT5$1,500-$466
2Jaguar E-Pace$1,564-$402
3Lexus RX 350$1,570-$396
4Acura MDX$1,578-$388
5Lincoln Nautilus$1,594-$372
6Lexus RX 450h$1,608-$358
7Infiniti QX50$1,614-$352
8Lexus RX 350L$1,628-$338
9Cadillac XT6$1,640-$326
10Volvo V60$1,648-$318
11Land Rover Discovery$1,660-$306
12Land Rover Discovery Sport$1,662-$304
13Lexus RX 450hL$1,676-$290
14Volvo V90$1,688-$278
15Lincoln Aviator$1,720-$246
16Mercedes-Benz AMG GLB35$1,740-$226
17Mercedes-Benz GLE450$1,744-$222
18Lexus GX 460$1,766-$200
19Infiniti QX60$1,774-$192
20Mercedes-Benz GLE350$1,784-$182
21Genesis GV80$1,818-$148
22Mercedes-Benz AMG GLC43$1,846-$120
23Audi SQ5$1,874-$92
24BMW X5$1,938-$28
25Audi Q8$1,966--
26Audi Q7$1,998$32
27Land Rover Range Rover Sport$2,020$54
28BMW iX$2,034$68
29Tesla Model X$2,064$98
30Audi SQ7$2,124$158
31Audi e-tron$2,144$178
32Mercedes-Benz AMG GLE53$2,150$184
33BMW X6$2,200$234
34Mercedes-Benz AMG GLE63$2,292$326
35Porsche Cayenne$2,314$348
36Audi RS 6$2,390$424

What is the cheapest Audi Q8 insurance?

With Audi Q8 insurance rates ranging from $1,802 to $2,168 per year, the cheapest trim level to insure is the Premium. The next cheapest model to insure is the Premium Plus at $1,848 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 S Premium Plus, the S Prestige, and the RS trim levels at around $2,018,  $2,060, and $2,168 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.

2022 Audi Q8 Insurance Cost by Trim Level
Audi Q8 Trim Level Annual Policy 6-month Policy Per Month
Premium$1,802$901$150
Premium Plus$1,848$924$154
Prestige$1,912$956$159
S Premium Plus$2,018$1,009$168
S Prestige$2,060$1,030$172
RS$2,168$1,084$181

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Audi Q8, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 10, 2022
Audi Q8 Insurance Cost by Trim Level

Audi Q8 prior model year insurance rates

The following sections detail Audi Q8 insurance rates for every trim level for the 2019 through 2021 model years.

How much does 2021 Audi Q8 insurance cost?

Average insurance rates for a 2021 Audi Q8 are $1,808 per year, or around $151 per month. Rates range from $1,754 per year for the Q8 3.0 Quattro Premium AWD to $1,844 for the Q8 3.0 Quattro Prestige S-Line AWD.

2021 Audi Q8 Insurance Cost by Trim Level
2021 Audi Q8 Trim Level Annual Rate Per Month
3.0 Quattro Premium AWD$1,754$146
3.0 Quattro Premium Plus AWD$1,800$150
3.0 Quattro Premium Plus S-Line AWD$1,800$150
3.0 Quattro Prestige AWD$1,844$154
3.0 Quattro Prestige S-Line AWD$1,844$154

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Audi Q8, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 10, 2022
2021 Audi Q8 Insurance Cost by Trim Level

How much does 2020 Audi Q8 insurance cost?

Average insurance rates for a 2020 Audi Q8 are $1,770 per year, or around $148 per month. Rates range from $1,716 per year for the Q8 3.0 Quattro Premium AWD to $1,804 for the Q8 3.0 Quattro Prestige S-Line AWD.

2020 Audi Q8 Insurance Cost by Trim Level
2020 Audi Q8 Trim Level Annual Rate Per Month
3.0 Quattro Premium AWD$1,716$143
3.0 Quattro Premium Plus AWD$1,762$147
3.0 Quattro Premium Plus S-Line AWD$1,762$147
3.0 Quattro Prestige AWD$1,804$150
3.0 Quattro Prestige S-Line AWD$1,804$150

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Audi Q8, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 10, 2022
2020 Audi Q8 Insurance Cost by Trim Level

How much are 2019 Audi Q8 insurance rates?

Insurance rates for a 2019 Audi Q8 average $1,828 per year, or about $152 per month. Rates range from $1,776 per year for the Q8 3.0 Quattro Premium AWD to $1,864 for the Q8 3.0 Quattro Prestige S-Line AWD.

2019 Audi Q8 Insurance Cost by Trim Level
2019 Audi Q8 Trim Level Annual Rate Per Month
3.0 Quattro Premium AWD$1,776$148
3.0 Quattro PremiumPlus AWD$1,820$152
3.0 Quattro PremiumPlus S-Line AWD$1,820$152
3.0 Quattro Prestige AWD$1,864$155
3.0 Quattro Prestige S-Line AWD$1,864$155

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Audi Q8, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on November 10, 2022
2019 Audi Q8 Insurance Cost by Trim Level