Audi Q8 Insurance: 2024 Rates, Insights, Comparisons

• Audi Q8 car insurance costs an average of $2,438 per year, or around $203 per month for full coverage.
• The Q8 is one of the more expensive midsize luxury SUVs to insure, costing $185 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 $2,322 per year.

How much does Audi Q8 insurance cost?

Audi Q8 car insurance averages $2,438 annually for a full coverage policy, or $203 if paid each month. With the average 2024 midsize luxury SUV costing $2,253 a year to insure, the Audi Q8 could cost around $185 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 $2,986 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 $642 per year. Serious misdemeanors such as driving under the influence of drugs or alcohol could raise rates by an additional $2,256 or more.
• Getting older means more affordable car insurance rates. The difference in 2024 Q8 insurance rates between a 60-year-old driver ($2,012 per year) and a 30-year-old driver ($2,612 per year) is $600, or a savings of 26%.
• 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 $414 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 $420 per year for a 40-year-old driver and $822 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 $436 per year for a 40-year-old driver and $872 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 $383 per year compared to a credit score ranging from 670-739. Conversely, a lesser credit rating could cost as much as $444 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 $540 more per year than the Lexus RX 350, $14 more than the BMW X5, $542 more than the Acura MDX, and $646 more than the Cadillac XT5.

The Audi Q8 ranks 31^st out of 41 total comparison vehicles in the 2024 midsize luxury SUV category. The Q8 costs an average of $2,438 per year for full coverage insurance and the segment average is $2,253 annually, a difference of $185 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.

What is the cheapest Audi Q8 insurance?

With Audi Q8 insurance rates ranging from $2,322 to $2,538 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 $2,374 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 $2,492,  $2,498, and $2,538 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.

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 $2,322 per year to insure, or around $194 per month. Rates range from $2,132 per year for the Q8 Premium to $2,548 for the Q8 RS.

2021 Audi Q8 insurance rates

Average insurance rates for a 2021 Audi Q8 are $2,072 per year, or around $173 per month. Rates range from $2,010 per year for the Q8 3.0 Quattro Premium AWD to $2,112 for the Q8 3.0 Quattro Prestige S-Line AWD.

2020 Audi Q8 insurance rates

Average insurance rates for a 2020 Audi Q8 are $2,004 per year, or around $167 per month. Rates range from $1,944 per year for the Q8 3.0 Quattro Premium AWD to $2,044 for the Q8 3.0 Quattro Prestige S-Line AWD.

2019 Audi Q8 insurance rates

Insurance rates for a 2019 Audi Q8 average $2,032 per year, or about $169 per month. Rates range from $1,976 per year for the Q8 3.0 Quattro Premium AWD to $2,072 for the Q8 3.0 Quattro Prestige S-Line AWD.