Audi Q8 Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• An Audi Q8 is more expensive to insure than the average SUV.
• Full coverage car insurance for a Q8 averages around $258 per month, on average, while liability only insurance generally runs about $72 a month.
• The lowest insurance company for a Q8 is Safeco, who offers Q8 owners rates as low as $46 monthly.

Q8 Overview

Coming in with a base MSRP of $68,200 for 2021 models, the Audi Q8 is on the more expensive end of the spectrum. There are five different trim levels currently available, so there's a style for every driver.

We combed through thousands of car insurance quotes on Compare.com, and we've determined that, on average, Audi Q8 auto insurance prices run around $220 a month. But how does that stack up to other similar SUVs out there on the market?

How Much is Car Insurance for an Audi Q8?

Looking at the table above, you can see that Audi Q8 insurance premiums are higher than average compared to other vehicles. On average, Q8 drivers can expect to pay about $72 per month for liability insurance, and around $258 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Audi models, the Q8 is more expensive, with prices about 36% higher than the rest of the automaker's vehicle lineup. Compared to SUV offerings from other brands, insurance for a Q8 runs close to average, with liability insurance rates 10% cheaper than other SUVs and full coverage insurance premiums coming in 71% higher.

Compared to all vehicles of any body type, full coverage prices are more expensive for the Q8, but a liability only policy is on the cheaper side.

Who has the Cheapest Car Insurance for an Audi Q8?

If you're in the market for a new auto insurance policy for your Audi Q8, you're likely interested in which carrier offers the cheapest premiums. Even though rates can differ quite significantly from driver to driver, Amica provides the most affordable average rates for liability only coverage, with rates as cheap as just $34 per month. The runner up for cheapest rates is Esurance, with auto insurance policies starting as little as just $44 a month.

Safeco, Kemper, and DirectGeneral round out the rest of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

After all, car insurance carriers look at a wide array of different variables when calculating rates, so your results might be different. By pulling quotes from a whole bunch of insurance companies at once, you can be sure you're finding the most affordable rate.

What Factors Affect Car Insurance Rates for an Audi Q8?

As we mentioned above, there are numerous things that car insurance carriers take a look at to choose how much they charge -- and each company weighs certain factors more than others, so there's not one single carrier that's the cheapest for every Q8 driver.

Keep reading to learn which factors auto insurance companies look at and how they affect your final rate:

Vehicle Age

Since the Audi Q8 has only been around for two or three model years, vehicle age won't affect your cost in the same way it might for other vehicles. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as cars get older, insurance costs will gradually decrease.

As you can see in the table above, Q8 premiums are between $64 and $73 monthly, on average.

Your Age

Age is another factor that plays a significant role in how much insurance carriers will charge for a policy. Because the Audi Q8 is pretty new to the market, we're just starting to collect data on how age is affecting car insurance rates. So far, based on the table above, young drivers pay less for auto insurance than older drivers.

Auto insurance prices continue to go down as you get older, with drivers aged 35-44 making up the cheapest age group for the Q8.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because men are more likely to get into collisions and get speeding tickets, which increases the chances of an insurance claim.

Where You Live

You may think it's obvious that variables like what vehicle you drive and how old you are play a role in your insurance prices, but you may not realize that where you live is just as important. Since auto insurance is regulated at the state level, premiums shift quite a bit from state to state.

Because the Q8 is a relatively new vehicle, our data on all 50 states is somewhat limited. Even so, you can see in the table above that Georgia has rates that are more expensive than other locations.

Audi Q8 Car Insurance Discounts

Whatever your age, your car, or your home state, using as many discounts as possible when it comes to your car insurance policy is always important.

Even though all auto insurance companies offer their own unique discounts, there are a few different ones that you'll find with most carriers. These include things like:

• Multi-vehicle discounts for insuring more than one of your cars with the same company
• Pay-in-full discounts for drivers who agree to pay their entire policy price up front, rather than in monthly installments
• Defensive driving discounts for drivers who take a defensive driving class from an accredited school or institution
• Vehicle safety discounts for having a vehicle with certain safety features (like air bags or anti-lock brakes) or one with higher safety ratings

However, discounts aren't the only way to save. Often, the best way to get great rates is to work on your overall insurance profile.

Although you may not have control of every variable insurance companies look at to calculate prices (like some of the ones mentioned above), you can influence some of them. Below are just a few of the factors you can use to your advantage when it comes to saving money:

Your Driving Record

It's no secret that auto insurance carriers offer the lowest premiums to drivers with a history of responsible driving. It follows that if you get speeding tickets or get into a collision, car insurance rates will go higher. But exactly how much is it going to cost you for these infractions?

Unfortunately, we don't have enough data on file for Audi Q8 drivers specifically, since it is a relatively new vehicle. However, as we see more and more of these on the road, we'll have a better idea of how much infractions will cost Q8 owners when it comes to insurance.

How Much You Drive

Another factor you have control over is how much you drive each year. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually end up spending less on auto insurance. Since the Audi Q8 is a new vehicle, our data is relatively limited, so we don't yet know how much annual driving distance will affect prices. So far, the cheapest rates are offered to drivers who drive 10,000+ miles per year.

But if you don't use your Audi Q8 to travel or commute regularly, it may be worth reviewing usage-based or pay-per-mile insurance. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

How Do Audi Q8s Compare to Other Vehicles?

If you're thinking about making an Audi Q8 your next vehicle, you might be wondering how it compares to other cars. Insurance is just one cost that comes with a new car purchase, but it's definitely one that's worth thinking about carefully.

Visit the table below to see how the Audi Q8 compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Audi Q8 is more expensive than average. While the average vehicle MSRP in the U.S. is $46,296, the Q8 comes in above that at $68,200.

Liability insurance for an Audi Q8 is around $22 per month less than average, while full coverage is over $50 more per month.

However, it is worth noting that the Q8 drivers tend to use their cars less than the average American driver, with only 9,480 annual miles for the average owner.

Audi Q8 Car Insurance Costs by Model Year

You've seen how different things can affect how much the average driver pays for car insurance. But if you're in thinking about buying a new car, truck, or SUV and the Q8 is on your wishlist, knowing how much your vehicle will likely cost is extremely valuable as you weigh your choices.

2021 Audi Q8 Car Insurance

The average cost to insure a 2021 Audi Q8 with liability only coverage is $59 a month, while full coverage runs about $313 per month.

We found Kemper offered the most affordable policy, with rates as low as just $51 monthly.

Interested in exactly how much you'll pay? Get a variety of free customized quotes by just entering your ZIP code below.

2020 Audi Q8 Car Insurance

On average, drivers who own a 2020 Q8 can expect to pay $86 to $284 a month for liability only and full coverage auto insurance, respectively.

With premiums sometimes as cheap as $34 per month, Amica offered the lowest policy we found for the 2020 Audi Q8.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

2019 Audi Q8 Car Insurance

You can expect full coverage for a 2019 Audi Q8 to run around $181 a month, while liability only coverage will average about $58 monthly.

Looking for the cheapest policy? Safeco offered liability only coverage for as cheap as $46 a month.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

Audi Q8 Insurance FAQs

Is an Audi Q8 expensive to insure?

The Audi Q8 is relatively expensive to insure compared to the average SUV. Liability insurance runs an average of $72 per month, while full coverage will cost you around $258.

How can I get the best price on car insurance for my Audi Q8?

The only way to guarantee you're getting the most affordable price on car insurance is to regularly shop around and compare quotes from quite a few companies. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Audi Q8 affect my insurance premiums?

You may have heard that it costs more to insure red cars than silver or white ones, but that's just a myth. While there are many variables insurance companies examine when they decide how much to charge you for a policy, your car's color is not one of them.

Do I need to have insurance before I buy an Audi Q8?

You'll need to have a valid auto insurance policy before you can legally drive your new (or new to you) Q8 off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but your best bet is letting your car insurance company know before you buy.

What car insurance discounts can I get for my Audi Q8?

You will find all sorts of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are more based on you than the vehicle you drive, but if your Q8 has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may qualify for certain discounts. To find out which discounts you might receive, get in touch with your insurance carrier and ask about their list of discounts, since they vary quite a bit from company to company.