Audi RS Q8 Insurance Cost

Full coverage for a Audi RS Q8 costs about $2,340 a year ($195/month) by our estimate — ▲ +47% versus the average vehicle, ranking 285th cheapest of 310 current models.

Audi RS Q8 exterior (photo from Wikimedia Commons) — Photo: Charles from Port Chester, New York, CC BY 2.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Audi RS Q8 insurance cost at a glance

Full coverage

$2,340

$195/mo · $1,920–$2,765

Minimum liability

$480

$40/mo

Segment

Luxury SUV

Hybrid

HLDI collision losses

217

Much worse than average (100 = avg)

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2020–2027 model years of the Audi RS Q8.

Estimated Audi RS Q8 premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$480	$40	$395–$565
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$695	$58	$570–$820
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$2,340	$195	$1,920–$2,765

What drives the cost of insuring a Audi RS Q8

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Audi RS Q8's results put our vehicle factor at 0.78× for liability, 2.05× for collision and 2.92× for comprehensive.

HLDI relative insurance losses — Audi RSQ8 4dr 4WD (Large Luxury SUVs)
Coverage	Index	Rating	What it measures
Collision	217	Much worse than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	321	Much worse than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	66	Much better than average	Damage this car does to other vehicles and property

Repair and parts costs: Luxury SUV from a luxury brand — premium parts, sensors and labor rates raise collision claims.
Recalls & complaints: 2 NHTSA recall campaigns and 0 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Audi RS Q8 trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
RS Q8 Performance	AWD	4.0L 8-cyl Turbo Hybrid	16

Audi RS Q8 insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	4.0L 8-cyl Turbo Hybrid	AWD	16	$2,340
2026	4.0L 8-cyl Turbo Hybrid	AWD	16	$2,270
2025	4.0L 8-cyl Turbo Hybrid	AWD	16	$2,195
2024	4.0L 8-cyl Turbo Hybrid	AWD	15	$2,120
2023	4.0L 8-cyl Turbo Hybrid	AWD	16	$2,045
2022	4.0L 8-cyl Turbo Hybrid	AWD	15	$1,970
2021	4.0L 8-cyl Turbo Hybrid	AWD	15	$1,895
2020	4.0L 8-cyl Turbo Hybrid	AWD	15	$1,825

Audi RS Q8 insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs.

State	Full coverage	Minimum	vs. national
Alabama	$2,175	$375	−7%
Alaska	$2,055	$485	−12%
Arizona	$2,445	$515	+4%
Arkansas	$2,315	$350	−1%
California	$2,305	$445	−1%
Colorado	$2,920	$510	+25%
Connecticut	$2,300	$555	−2%
Delaware	$2,310	$625	−1%
District of Columbia	$2,970	$580	+27%
Florida	$2,855	$840	+22%
Georgia	$2,620	$680	+12%
Hawaii	$1,635	$340	−30%
Idaho	$1,630	$315	−30%
Illinois	$2,105	$390	−10%
Indiana	$1,745	$315	−25%
Iowa	$1,915	$240	−18%
Kansas	$2,190	$315	−6%
Kentucky	$1,965	$410	−16%
Louisiana	$3,200	$615	+37%
Maine	$1,570	$330	−33%
Maryland	$2,515	$585	+7%
Massachusetts	$2,270	$460	−3%
Michigan	$2,585	$595	+10%
Minnesota	$2,190	$365	−6%
Mississippi	$2,430	$415	+4%
Missouri	$2,300	$400	−2%
Montana	$2,225	$305	−5%
Nebraska	$2,190	$315	−6%
Nevada	$2,250	$675	−4%
New Hampshire	$1,720	$315	−26%
New Jersey	$2,475	$730	+6%
New Mexico	$2,205	$405	−6%
New York	$2,860	$725	+22%
North Carolina	$1,935	$350	−17%
North Dakota	$1,875	$215	−20%
Ohio	$1,755	$315	−25%
Oklahoma	$2,385	$370	+2%
Oregon	$1,915	$490	−18%
Pennsylvania	$2,195	$330	−6%
Rhode Island	$2,580	$640	+10%
South Carolina	$2,355	$570	+1%
South Dakota	$2,370	$245	+1%
Tennessee	$2,085	$350	−11%
Texas	$3,005	$540	+28%
Utah	$1,945	$510	−17%
Vermont	$1,710	$250	−27%
Virginia	$2,025	$490	−13%
Washington	$1,880	$460	−20%
West Virginia	$2,200	$340	−6%
Wisconsin	$1,765	$290	−25%
Wyoming	$2,385	$255	+2%

Audi RS Q8 insurance by driver profile

Estimated annual Audi RS Q8 premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,315	$1,910	$6,440	$537
Young adult (22)	$765	$1,110	$3,745	$312
Adult in their 30s	$480	$695	$2,340	$195
Adult in their 50s	$440	$640	$2,155	$180
Senior (72)	$535	$780	$2,625	$219
30s, one at-fault accident	$695	$1,005	$3,395	$283
30s, DUI on record	$885	$1,285	$4,335	$361

Audi RS Q8 vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Audi RS Q8	$2,340	217	321	—
BMW X3	$1,565	108	92	—
BMW X5	$1,690	120	142	—
Audi Q7	$1,570	123	131	—

Estimate Audi RS Q8 insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Audi models

A3 $1,615/yr
A5 $1,735/yr
A6 e-tron $1,910/yr
A8 $2,865/yr
e-tron GT $2,195/yr
Q3 $1,440/yr
Q6 e-tron $1,870/yr
Q8 $1,835/yr
RS 3 $1,810/yr
S3 $1,520/yr
S5 $1,830/yr
S8 $2,665/yr
SQ5 $1,720/yr
SQ8 $2,240/yr
A6 $1,860/yr
Q4 e-tron $1,615/yr
Q5 $1,500/yr
Q7 $1,570/yr
RS 6 Avant $2,040/yr
RS 7 $2,445/yr
SQ7 $1,930/yr
A4 $1,565/yr
A7 $1,825/yr
Q8 e-tron $2,015/yr
RS 5 $2,045/yr
S4 $2,020/yr
S6 $1,835/yr
S7 $2,015/yr
e-tron $1,685/yr
R8 $1,975/yr

All Audi insurance costs →

Frequently asked questions

How much is insurance for a Audi RS Q8?

We estimate about $2,340 a year ($195 a month) for full coverage and $480 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 47% more than the average vehicle.

Is the Audi RS Q8 expensive to insure?

HLDI insurance-loss data rates it at 217 for collision and 321 for comprehensive losses (100 = average of all vehicles), meaning collision losses are much worse than average.

Which state is cheapest to insure a Audi RS Q8?

Maine has the lowest estimate (about $1,570 a year for full coverage) and Louisiana the highest (about $3,200).

Is the Audi RS Q8 cheaper to insure than the BMW X3?

By our estimate the Audi RS Q8 costs about $2,340 a year versus $1,600 for the BMW X3, making the BMW X3 cheaper to insure.

How much is Audi RS Q8 insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $6,440 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page