Audi Q8 Car Insurance Cost 2025
The average annual cost to insure an Audi Q8 is $3,675. However, the actual price can differ based on factors like your age, the model year of the car, and other variables. You can refer to our quote tables below to get an estimate tailored to your specific situation.
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If you’re thinking about buying an Audi Q8, one crucial aspect to consider is the cost of insurance. On average, insurance for an Audi Q8 costs $3,675 per year. Insurance is a significant aspect of owning a car, and it’s essential to understand its implications before making a purchase.
Choosing the right car insurance policy is vital to avoid unexpected and potentially high expenses in the future. Insufficient coverage during accidents can lead to significant out-of-pocket costs. Additionally, there’s the risk of increased premiums if you’re found responsible for accidents.
Having analyzed car insurance rates for over a decade, I’ve observed how much these costs can vary. Factors like age, driving history, and even location can significantly impact insurance premiums.
How Much Does An Audi Q8 Car Insurance Cost?
On average, Audi Q8 drivers can expect to pay around $3,675 per year for car insurance.
It’s important to understand that car insurance costs can vary widely due to several factors. These include your location, driving history, the model year of your vehicle, and the coverage options you choose. Keeping a clean driving record can lead to lower premiums, while a history of accidents or traffic violations may result in higher rates.
Additionally, living in a busy urban area with heavy traffic can lead to higher insurance premiums compared to rural areas with less congestion. The type of coverage you select also plays a role – comprehensive coverage, which includes both comprehensive and collision, typically costs more than basic liability insurance.
As shown in the table below, the cost of insuring an Audi Q8 is higher than the average for all Audi models, and also more expensive compared to the average cost for all vehicles. Insuranceopedia is here to help you compare quotes from various auto insurance providers, ensuring you find the best deal for your needs.
| Vehicle | Average Monthly Premium |
| Audi Q8 | $265 |
| All Audis | $195 |
| All Cars | $175 |
Average Insurance Cost Of Audi Q8 By Model Year
| Model Year | Average Premium |
| 2023 Audi Q8 | $2,023 |
| 2022 Audi Q8 | $2,241 |
| 2021 Audi Q8 | $1,561 |
| 2020 Audi Q8 | $1,742 |
| 2019 Audi Q8 | $1,342 |
2023 Audi Q8 Insurance Rates
The average annual insurance cost for a 2023 Audi Q8 is $2,023. However, Nationwide offers the cheapest rates, averaging $764 per year.
| Insurance Provider | Average Annual Cost |
| Chubb | $3,419 |
| Esurance | $2,005 |
| Texas Farm Bureau Group | $1,252 |
| Mercury | $1,142 |
| Nationwide | $764 |
| Permanent General | $3,099 |
| USAA | $2,089 |
| State Farm | $1,699 |
| Republic Indemnity | $2,267 |
| National General | $2,489 |
2022 Audi Q8 Insurance Rates
The average annual insurance cost for a 2022 Audi Q8 is $2,241. However, Safeco offers the cheapest rates, averaging $1,853 per year.
| Insurance Provider | Average Annual Cost |
| Country | $2,187 |
| Allied | $2,221 |
| Bristol West | $2,440 |
| Safeco | $1,853 |
| Alliance United | $2,479 |
| California Capital | $2,188 |
| 21st Century | $2,201 |
| Mercury | $2,309 |
| CSAA | $2,360 |
| Auto-Owners Insurance Co | $2,171 |
2021 Audi Q8 Insurance Rates
The average annual insurance cost for a 2021 Audi Q8 is $1,561. However, Pekin Insurance offers the cheapest rates, averaging $927 per year.
| Insurance Provider | Average Annual Cost |
| Grange Mutual | $1,529 |
| Mercury Insurance | $1,616 |
| Hastings Mutual Insurance Co | $1,888 |
| SECURA Insurance | $1,367 |
| Mercury | $2,053 |
| Pekin Insurance | $927 |
| Capital Insurance Group | $1,175 |
| Rockford Mutual Insurance | $1,760 |
| Country | $1,743 |
| Auto-Owners Insurance Co | $1,555 |
2020 Audi Q8 Insurance Rates
The average annual insurance cost for a 2020 Audi Q8 is $1,742. However, Texas Farm Bureau Group offers the cheapest rates, averaging $807 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $1,287 |
| Hastings Mutual Insurance Co | $2,166 |
| Republic Indemnity | $1,894 |
| New York Central Mutual Fire | $2,128 |
| Country | $1,731 |
| Texas Farm Bureau Group | $807 |
| Mercury | $1,985 |
| Permanent General | $2,089 |
| Pekin Insurance | $1,143 |
| National General | $2,189 |
2019 Audi Q8 Insurance Rates
The average annual insurance cost for a 2019 Audi Q8 is $1,342. However, Texas Farm Bureau Group offers the cheapest rates, averaging $894 per year.
| Insurance Provider | Average Annual Cost |
| Virginia Farm Bureau | $1,374 |
| Western National | $1,661 |
| Rockford Mutual Insurance | $1,659 |
| West Bend Mutual | $1,571 |
| SECURA Insurance | $993 |
| Texas Farm Bureau Group | $894 |
| Mercury Insurance | $1,175 |
| Auto Club Group | $1,630 |
| Pekin Insurance | $1,082 |
| Hastings Mutual Insurance Co | $1,383 |
Find Affordable Audi Q8 Insurance Rates
Is An Audi Q8 Expensive To Insure?
Insuring an Audi Q8 is more expensive than the average cost for all cars. However, the actual premium you’ll pay depends on several factors, including your age, the age of your car, your location, and other variables.
Cost of Audi Q8 Car Insurance By Age
Age is a key factor in determining car insurance rates. Teenagers generally face the highest premiums due to their higher involvement in accidents compared to other age groups. As you age, your premiums tend to decrease, reflecting your lower risk as a driver.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $12,450 | $18,334 | $21,358 |
| 18 | $11,606 | $17,022 | $19,916 |
| 19 | $10,261 | $15,052 | $17,639 |
| 20 | $8,917 | $13,092 | $15,338 |
| 21 | $7,509 | $11,035 | $12,924 |
| 22 | $7,289 | $10,726 | $12,563 |
| 23 | $6,417 | $9,360 | $11,016 |
| 24 | $6,049 | $8,945 | $10,411 |
| 25 | $5,200 | $7,658 | $8,974 |
| 30 | $4,066 | $5,987 | $6,987 |
| 35 | $3,875 | $5,569 | $6,596 |
| 40 | $3,712 | $5,434 | $6,349 |
| 45 | $3,585 | $5,213 | $6,104 |
| 55 | $3,236 | $4,826 | $5,642 |
| 65 | $3,469 | $4,998 | $5,910 |
| 75 | $4,329 | $6,389 | $7,469 |
Audi Q8 Car Insurance Rates By State
Your location has a major impact on how insurance companies determine rates. Each state sets its own auto insurance regulations; for instance, drivers in Michigan often pay higher premiums due to the state’s requirement for more extensive coverage. Additionally, the climate in your area can affect rates, as states prone to extreme weather like hurricanes, storms, or flooding may see higher insurance costs. Local statistics on crime and accidents, including car thefts, crashes, and fatality rates, also play a role. Insurance companies take all these factors into account when calculating your Audi Q8 insurance rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,923 | $5,667 | $7,181 |
| Alaska | $3,209 | $4,492 | $4,356 |
| Arizona | $3,613 | $5,267 | $7,742 |
| Arkansas | $4,035 | $6,301 | $6,864 |
| California | $4,459 | $7,876 | $4,428 |
| Colorado | $4,168 | $5,761 | $7,391 |
| Connecticut | $5,256 | $8,200 | $10,461 |
| Delaware | $4,383 | $5,812 | $7,519 |
| Florida | $5,262 | $7,231 | $9,387 |
| Georgia | $4,238 | $6,420 | $6,423 |
| Hawaii | $1,732 | $2,356 | $1,714 |
| Idaho | $2,930 | $3,917 | $4,754 |
| Illinois | $3,135 | $4,702 | $5,364 |
| Indiana | $3,222 | $4,833 | $5,442 |
| Iowa | $2,542 | $3,505 | $4,078 |
| Kansas | $3,381 | $4,838 | $5,719 |
| Kentucky | $4,872 | $7,152 | $8,403 |
| Louisiana | $6,227 | $9,387 | $10,209 |
| Maine | $2,333 | $3,281 | $4,769 |
| Maryland | $3,774 | $5,498 | $6,177 |
| Massachusetts | $3,031 | $5,355 | $3,094 |
| Michigan | $7,409 | $11,250 | $17,704 |
| Minnesota | $3,082 | $4,092 | $5,643 |
| Mississippi | $3,618 | $5,225 | $5,234 |
| Missouri | $3,434 | $4,886 | $6,507 |
| Montana | $3,484 | $4,861 | $5,668 |
| Nebraska | $2,952 | $4,345 | $4,713 |
| Nevada | $4,910 | $7,254 | $7,679 |
| New Hampshire | $3,356 | $5,370 | $6,781 |
| New Jersey | $3,711 | $5,864 | $7,653 |
| New Mexico | $3,806 | $5,683 | $5,927 |
| New York | $3,537 | $4,417 | $7,465 |
| North Carolina | $2,178 | $3,736 | $2,684 |
| North Dakota | $3,025 | $4,547 | $5,431 |
| Ohio | $2,670 | $4,128 | $4,243 |
| Oklahoma | $4,270 | $6,159 | $6,950 |
| Oregon | $3,927 | $5,239 | $6,197 |
| Pennsylvania | $3,273 | $4,829 | $5,588 |
| Rhode Island | $5,437 | $8,072 | $9,047 |
| South Carolina | $3,750 | $5,153 | $7,113 |
| South Dakota | $3,387 | $4,794 | $5,590 |
| Tennessee | $3,900 | $5,778 | $7,680 |
| Texas | $3,994 | $5,717 | $7,095 |
| Utah | $3,320 | $4,712 | $6,506 |
| Vermont | $2,561 | $4,007 | $4,182 |
| Virginia | $2,454 | $3,698 | $3,626 |
| Washington | $3,222 | $4,429 | $5,279 |
| West Virginia | $3,283 | $4,642 | $5,822 |
| Wisconsin | $3,244 | $5,022 | $5,727 |
| Wyoming | $3,069 | $4,196 | $4,525 |
Find Affordable Audi Q8 Insurance Rates
Cheapest Car Insurance Companies For An Audi Q8
If you’re in the market for a new car insurance policy for your Audi Q8, you’ll likely want to find the most affordable options. Amica offers the lowest average rate, with premiums starting at $27 per month, making them the cheapest provider for this vehicle. However, insurance rates can vary based on your individual driver profile, so this figure is only an average. To find the best deal for your needs, it’s recommended to shop around and compare quotes from different insurers.
| Company | Average Monthly Rate |
| Amica | $27 |
| Kemper | $65 |
| Esurance | $52 |
| DirectGeneral | $64 |
| Safeco | $53 |
Common Audi Q8 Insurance Discounts
Discounts can be an excellent way to reduce your car insurance premiums. While each provider offers unique discounts, here are some common ones to consider:
- Multi-policy: Bundling your auto and home insurance with the same provider often results in a lower rate.
- Pay annually: Paying your premium in full upfront instead of monthly can earn you a discount.
- Defensive driving: Completing a certified defensive driving course may make you eligible for reduced rates.
Other discounts may also be available depending on your insurer. It’s a good idea to speak with your insurance agent to identify the discounts you qualify for and maximize your savings.
Ways To Save On Audi Q8 Insurance Costs
Maintaining a clean driving record is one of the most effective ways to reduce your Audi Q8 insurance costs. Traffic violations, such as speeding tickets or accidents, can lead to higher premiums. For example, Audi Q8 drivers with a ticket typically pay $87 per month, while those with multiple accidents average $122 per month. Avoiding such incidents helps keep your rates low.
Additionally, driving fewer miles annually can lower your insurance costs, as less time on the road reduces the likelihood of accidents. Audi Q8 drivers covering 5,000 to 7,500 miles per year pay around $86 per month, while those driving over 10,000 miles per year pay about $58 per month.
Compare Audi Q8 To Other Audi Models
Looking for other Audi model insurance costs?
- Audi A4 Car Insurance
- Audi Q5 Car Insurance
- Audi A3 Car Insurance
- Audi Q3 Car Insurance
- Audi A5 Car Insurance
- Audi A7 Car Insurance
- Audi Q7 Car Insurance
- Audi S4 Car Insurance
- Audi A6 Car Insurance
- Audi E-Tron Car Insurance
- Audi R8 Car Insurance
- Audi S5 Car Insurance
- Audi A8 Car Insurance
- Audi S6 Car Insurance
- Audi S8 Car Insurance
- Audi SQ5 Car Insurance
- Audi TT Car Insurance
- Audi TTS Car Insurance
- Audi A4 Allroad Car Insurance
- Audi A6 Allroad Car Insurance
- Audi Q5 E Car Insurance
- Audi RS Q8 Car Insurance
- Audi RS3 Car Insurance
- Audi RS5 Car Insurance
- Audi S3 Car Insurance
- Audi S7 Car Insurance
- Audi SQ7 Car Insurance
- Audi SQ8 Car Insurance
- Audi TT RS Car Insurance
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was a 40-year-old male driver purchasing full-coverage insurance with the following limits: $100,000 for property damage liability, $100,000 for bodily injury liability, and a $1,000 deductible. Keep in mind that the figures provided in this guide may vary from your personal results based on your unique circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase An Audi Q8?
Yes, proof of insurance is required before you can drive your Audi Q8 off the dealership lot. It’s best to purchase a policy in advance and inform your insurance company about your upcoming car purchase, rather than relying on insurance offered by the dealership.
How Can You Get The Cheapest Insurance For Your Audi Q8?
To secure the cheapest rates for your Audi Q8, the best approach is to shop around and compare quotes from various auto insurance providers. Insuranceopedia makes this process easy by allowing you to compare quotes from multiple companies directly on their website.
