Audi A8 Insurance Rates
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UPDATED: Apr 3, 2024
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Average insurance prices for an Audi A8 are $1,280 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $256 each year, collision costs $392, and liability is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing $2,760 or more. Teens receive the highest rates at $4,906 a year or more.
Average premium for full coverage: $1,280
Rate estimates broken down by individual coverage type:
Estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and A8 models.
Price Range by Coverage and Risk
For the average driver, prices range go from the cheapest price of $522 for basic liability insurance to a high rate of $2,760 for a driver who requires high-risk insurance.
Price Range by Location
Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location impacts insurance prices.
These examples illustrate why all drivers should compare rates quotes for a targeted area and their own driving history, instead of using averaged prices.
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.
Rate Comparisons
The chart below illustrates estimated Audi A8 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $752
- Raising to $1,000 deductibles will save approximately $148 each year
- The average price for a 40-year-old driver who has $500 deductibles is $1,280
- Selecting low deductibles costs an extra $282 every year
- At-risk drivers with serious driving violations could pay up to $2,760 or more
- The cost to insure a teen driver can cost as much as $4,906
Car insurance rates for an Audi A8 can also vary considerably based on policy deductibles and limits, your risk profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $430 every year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will be charged at least $4,900 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying $1,500 to $2,100 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 131% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates as low as $840 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,730 on average in Florida, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,158 | -$122 | -9.5% |
| Alaska | $980 | -$300 | -23.4% |
| Arizona | $1,062 | -$218 | -17.0% |
| Arkansas | $1,280 | -$0 | 0.0% |
| California | $1,458 | $178 | 13.9% |
| Colorado | $1,222 | -$58 | -4.5% |
| Connecticut | $1,316 | $36 | 2.8% |
| Delaware | $1,450 | $170 | 13.3% |
| Florida | $1,602 | $322 | 25.2% |
| Georgia | $1,180 | -$100 | -7.8% |
| Hawaii | $920 | -$360 | -28.1% |
| Idaho | $866 | -$414 | -32.3% |
| Illinois | $952 | -$328 | -25.6% |
| Indiana | $964 | -$316 | -24.7% |
| Iowa | $864 | -$416 | -32.5% |
| Kansas | $1,218 | -$62 | -4.8% |
| Kentucky | $1,746 | $466 | 36.4% |
| Louisiana | $1,894 | $614 | 48.0% |
| Maine | $790 | -$490 | -38.3% |
| Maryland | $1,056 | -$224 | -17.5% |
| Massachusetts | $1,024 | -$256 | -20.0% |
| Michigan | $2,224 | $944 | 73.8% |
| Minnesota | $1,070 | -$210 | -16.4% |
| Mississippi | $1,532 | $252 | 19.7% |
| Missouri | $1,136 | -$144 | -11.3% |
| Montana | $1,376 | $96 | 7.5% |
| Nebraska | $1,008 | -$272 | -21.3% |
| Nevada | $1,536 | $256 | 20.0% |
| New Hampshire | $920 | -$360 | -28.1% |
| New Jersey | $1,430 | $150 | 11.7% |
| New Mexico | $1,134 | -$146 | -11.4% |
| New York | $1,348 | $68 | 5.3% |
| North Carolina | $738 | -$542 | -42.3% |
| North Dakota | $1,048 | -$232 | -18.1% |
| Ohio | $882 | -$398 | -31.1% |
| Oklahoma | $1,314 | $34 | 2.7% |
| Oregon | $1,172 | -$108 | -8.4% |
| Pennsylvania | $1,222 | -$58 | -4.5% |
| Rhode Island | $1,706 | $426 | 33.3% |
| South Carolina | $1,160 | -$120 | -9.4% |
| South Dakota | $1,080 | -$200 | -15.6% |
| Tennessee | $1,122 | -$158 | -12.3% |
| Texas | $1,542 | $262 | 20.5% |
| Utah | $948 | -$332 | -25.9% |
| Vermont | $878 | -$402 | -31.4% |
| Virginia | $768 | -$512 | -40.0% |
| Washington | $990 | -$290 | -22.7% |
| West Virginia | $1,172 | -$108 | -8.4% |
| Wisconsin | $888 | -$392 | -30.6% |
| Wyoming | $1,142 | -$138 | -10.8% |
With so much variability in rates, the only way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company calculates rates differently, so rate quotes can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi A8 4.2 Quattro 4-Dr Sedan | $1,260 | $105 |
| Audi A8 4.2L Quattro 4-Dr Sedan | $1,280 | $107 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Audi A8 | $464 | $900 | $390 | $1,912 |
| 2023 Audi A8 | $444 | $894 | $398 | $1,894 |
| 2022 Audi A8 | $430 | $872 | $416 | $1,876 |
| 2021 Audi A8 | $414 | $836 | $430 | $1,838 |
| 2020 Audi A8 | $392 | $806 | $442 | $1,798 |
| 2019 Audi A8 | $376 | $748 | $452 | $1,734 |
| 2018 Audi A8 | $362 | $704 | $456 | $1,680 |
| 2017 Audi A8 | $346 | $632 | $460 | $1,596 |
| 2016 Audi A8 | $324 | $580 | $460 | $1,522 |
| 2015 Audi A8 | $312 | $544 | $464 | $1,478 |
| 2014 Audi A8 | $306 | $508 | $474 | $1,446 |
| 2013 Audi A8 | $282 | $472 | $474 | $1,386 |
| 2012 Audi A8 | $274 | $428 | $478 | $1,338 |
| 2011 Audi A8 | $256 | $392 | $474 | $1,280 |
| 2010 Audi A8 | $242 | $356 | $474 | $1,230 |
| 2007 Audi A8 | $226 | $298 | $452 | $1,134 |
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 Shop for Low Cost Audi A8 Insurance
Saving money on car insurance consists of avoiding accidents and claims, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Spend time shopping around at every other renewal by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The points below are a review of the concepts that were touched on above.
- Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,480 more annually to insure an Audi A8
- Drivers under the age of 20 have the highest car insurance rates, costing up to $409 per month if the policy includes full coverage
- It is possible to save approximately $150 per year simply by quoting online in advance
- Increasing deductibles could save as much as $425 each year
- It is possible to save approximately $150 per year simply by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,906 |
| 20 | $2,928 |
| 30 | $1,322 |
| 40 | $1,280 |
| 50 | $1,170 |
| 60 | $1,146 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,562 |
| $250 | $1,434 |
| $500 | $1,280 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,280 |
| 50/100 | $1,375 |
| 100/300 | $1,493 |
| 250/500 | $1,801 |
| 100 CSL | $1,422 |
| 300 CSL | $1,683 |
| 500 CSL | $1,873 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,968 |
| 20 | $4,668 |
| 30 | $2,806 |
| 40 | $2,760 |
| 50 | $2,636 |
| 60 | $2,610 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $67 |
| Multi-vehicle | $68 |
| Homeowner | $21 |
| 5-yr Accident Free | $87 |
| 5-yr Claim Free | $82 |
| Paid in Full/EFT | $53 |
| Advance Quote | $60 |
| Online Quote | $90 |
| Total Discounts | $528 |
Discounts are estimated and may not be available from every company or in every state.
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