Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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U.S. average auto insurance rates for an Audi A8 are $1,230 annually including full coverage. Comprehensive costs an estimated $242, collision insurance costs $356, and liability coverage costs around $474. Buying just liability costs as low as $522 a year, and insurance for high-risk drivers costs around $2,646. 16-year-old drivers pay the highest rates at up to $4,740 a year.

Average premium for full coverage: $1,230

Price estimates broken down by individual coverage:

Comprehensive $242
Collision $356
Liability $474

Estimates include $500 deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all A8 models.

Price Range from Low to High

For the normal driver, Audi A8 insurance prices range from as cheap as $522 for just liability coverage to the much higher price of $2,646 for a high-risk driver policy.

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

Geographic Price Range

Where you live has a large influence on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than congested cities. The example below illustrates how geographic area affects insurance prices.

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

The ranges above highlight why everyone should compare prices for a targeted area and their own personal driving habits, rather than using rate averages.

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.

Detailed Rate Analysis

The chart below breaks down average Audi A8 insurance rates for other coverage scenarios.

  • The best full coverage rate is $727
  • Using higher $1,000 deductibles will save approximately $136 every year
  • The estimated rate for the average middle-age driver who has $500 deductibles is $1,230
  • Buying pricier low deductibles for physical damage coverage will cost $1,488
  • Higher-risk drivers with multiple tickets or accidents could pay up to $2,646
  • The price with full coverage for a teenage driver for full coverage can cost as much as $4,740 or more

View Chart as Image

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

Insurance prices for an Audi A8 are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

A more mature driver with no violations or accidents and high physical damage deductibles may only pay around $1,100 a year for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $4,700 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,000 additional each year, depending on your age. Audi A8 insurance for high-risk drivers can be around 42% to 136% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $400 a year, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Audi A8 insurance rates. A driver around age 40 might see prices as low as $940 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,750 on average in Louisiana, 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

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 Buy Low Cost Audi A8 Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having good credit, being claim-free, and possibly raising deductibles. Invest the time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a review of the information presented in the illustrations above.

  • You may be able to save approximately $140 per year just by quoting online well ahead of the renewal date
  • Teens are expensive to insure, possibly costing $395 a month if they have full coverage
  • Increasing physical damage deductibles could save up to $400 each year
  • Drivers who have several accidents or serious violations could be forced to pay on average $1,420 more annually for A8 insurance
  • Consumers who want higher liability limits will pay around $520 per year to increase from a low limit to higher 250/500 limits

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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