Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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Estimated insurance rates for an Audi A8 are $1,230 a year for full coverage insurance. Comprehensive insurance costs approximately $242, collision costs $356, and liability costs $474. A liability-only policy costs as little as $522 a year, with high-risk insurance costing $2,646 or more. Teenage drivers pay the most at $4,740 a year or more.

Average premium for full coverage: $1,230

Premium estimates by type of coverage:

Comprehensive $242
Collision $356
Liability $474

Prices are based on $500 physical damage deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and for all A8 models.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Audi A8 go from the low end price of $522 for a discount liability-only rate to the much higher price of $2,646 for a driver required to buy high-risk insurance.

Liability Only $522
Full Coverage $1,230
High Risk $2,646

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location helps determine auto insurance prices.

Rural Areas $923
Small Cities $1,292
Large Cities $1,661

These rate differences illustrate why everyone should compare rates using their specific location, instead of using average rates.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rates by State, City, and Model

The chart below illustrates estimated Audi A8 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $727
  • Drivers who choose higher $1,000 deductibles will pay $136 each year
  • The estimated price for a 40-year-old good driver who chooses $500 deductibles is $1,230
  • Using pricier low deductibles for comprehensive and collision insurance will cost an additional $258 every year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,646 or more
  • An auto insurance policy that insures a teen driver for full coverage can cost $4,740 a year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance prices range from $727 to $4,740

Auto insurance prices for an Audi A8 also have a wide range based on the model of your A8, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. Audi A8 insurance for high-risk drivers can cost as much as 42% to 136% more than a normal policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,700 a year. View Rates by Age

Where you choose to live makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,660 on average in Florida, New York, and Michigan.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,112 -$118 -9.6%
Alaska $940 -$290 -23.6%
Arizona $1,020 -$210 -17.1%
Arkansas $1,230 -$0 0.0%
California $1,400 $170 13.8%
Colorado $1,174 -$56 -4.6%
Connecticut $1,264 $34 2.8%
Delaware $1,390 $160 13.0%
Florida $1,538 $308 25.0%
Georgia $1,132 -$98 -8.0%
Hawaii $884 -$346 -28.1%
Idaho $832 -$398 -32.4%
Illinois $916 -$314 -25.5%
Indiana $924 -$306 -24.9%
Iowa $828 -$402 -32.7%
Kansas $1,168 -$62 -5.0%
Kentucky $1,676 $446 36.3%
Louisiana $1,816 $586 47.6%
Maine $758 -$472 -38.4%
Maryland $1,012 -$218 -17.7%
Massachusetts $982 -$248 -20.2%
Michigan $2,134 $904 73.5%
Minnesota $1,028 -$202 -16.4%
Mississippi $1,470 $240 19.5%
Missouri $1,090 -$140 -11.4%
Montana $1,320 $90 7.3%
Nebraska $968 -$262 -21.3%
Nevada $1,474 $244 19.8%
New Hampshire $884 -$346 -28.1%
New Jersey $1,374 $144 11.7%
New Mexico $1,090 -$140 -11.4%
New York $1,294 $64 5.2%
North Carolina $706 -$524 -42.6%
North Dakota $1,008 -$222 -18.0%
Ohio $848 -$382 -31.1%
Oklahoma $1,264 $34 2.8%
Oregon $1,124 -$106 -8.6%
Pennsylvania $1,174 -$56 -4.6%
Rhode Island $1,638 $408 33.2%
South Carolina $1,112 -$118 -9.6%
South Dakota $1,038 -$192 -15.6%
Tennessee $1,076 -$154 -12.5%
Texas $1,480 $250 20.3%
Utah $910 -$320 -26.0%
Vermont $842 -$388 -31.5%
Virginia $736 -$494 -40.2%
Washington $950 -$280 -22.8%
West Virginia $1,126 -$104 -8.5%
Wisconsin $850 -$380 -30.9%
Wyoming $1,094 -$136 -11.1%

View Chart as Image

Audi A8 insurance rates by U.S. city

Using high physical damage deductibles could save up to $400 every year, whereas buying more liability protection will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $426 extra every year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see which company has the best price. Every company uses a different method to calculate prices, and quoted prices will be substantially different.

Insurance Rates by Trim Level and Model Year

Audi A8 Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Audi A8 4.2 Quattro 4-Dr Sedan $1,210 $101
Audi A8 4.2L Quattro 4-Dr Sedan $1,230 $103

Rates assume 2011 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Audi A8 Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Audi A8 $444 $894 $398 $1,894
2023 Audi A8 $430 $872 $416 $1,876
2022 Audi A8 $414 $836 $430 $1,838
2021 Audi A8 $392 $806 $442 $1,798
2020 Audi A8 $376 $748 $452 $1,734
2019 Audi A8 $362 $704 $456 $1,680
2018 Audi A8 $346 $632 $460 $1,596
2017 Audi A8 $324 $580 $460 $1,522
2016 Audi A8 $312 $544 $464 $1,478
2015 Audi A8 $306 $508 $474 $1,446
2014 Audi A8 $282 $472 $474 $1,386
2013 Audi A8 $274 $428 $478 $1,338
2012 Audi A8 $256 $392 $474 $1,280
2011 Audi A8 $242 $356 $474 $1,230
2010 Audi A8 $234 $320 $468 $1,180
2007 Audi A8 $208 $284 $446 $1,096

Rates are averaged for all Audi A8 models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Find Affordable Audi A8 Insurance

Finding better rates on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Compare prices at every policy renewal by getting rate quotes from direct insurance companies, and also from your local car insurance providers.

Below is a brief review of the data covered in the charts and tables above.

  • Policyholders who purchase higher levels of liability will pay an extra $520 annually to go from 30/60 bodily injury limits to the 250/500 level
  • It is possible to save around $140 per year simply by quoting online well ahead of the renewal date
  • Increasing policy deductibles can save approximately $400 each year
  • Teenage drivers have the highest car insurance prices, with premiums being up to $395 per month if the policy includes full coverage

Rates by Driver Age

Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,740
20 $2,806
30 $1,264
40 $1,230
50 $1,122
60 $1,100

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,488
$250 $1,370
$500 $1,230
$1,000 $1,094

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,230
50/100 $1,325
100/300 $1,443
250/500 $1,751
100 CSL $1,372
300 CSL $1,633
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,724
20 $4,474
30 $2,686
40 $2,646
50 $2,528
60 $2,502

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $167

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $79
Paid in Full/EFT $50
Advance Quote $57
Online Quote $86
Total Discounts $503
Rate after discounts $727

Discounts are estimated and may not be available from every company or in every state.

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