Audi A8 Insurance Rates

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

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 3, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance rates for an Audi A8 are $1,160 a year including full coverage. Comprehensive insurance costs around $230 a year, collision costs $312, and liability insurance costs around $460. Buying just liability costs as low as $510 a year, with insurance for high-risk drivers costing $2,490 or more. Teen drivers pay the highest rates at $4,494 a year or more.

Average premium for full coverage: $1,160

Price estimates for individual coverage:

Comprehensive $230
Collision $312
Liability $460

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and A8 trim levels.

Price Range from Low to High

For a driver around age 40, Audi A8 insurance prices go from as low as $510 for basic liability insurance to a high of $2,490 for a high-risk insurance policy.

Liability Only $510
Full Coverage $1,160
High Risk $2,490

Geographic Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $870
Small Cities $1,218
Large Cities $1,566

The ranges above highlight why it is important to compare prices for a specific zip code and risk profile, rather than relying on price 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.

Rate Comparisons

The chart below breaks down estimated Audi A8 insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $693
  • Using higher $1,000 deductibles will save about $1,036 every year
  • The average rate for the average middle-age driver using $500 deductibles is $1,160
  • Choosing low $100 deductibles for physical damage coverage will cost an extra $234 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,490 or more
  • The price for full coverage for a teen driver can be $4,494 or more

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance prices range from $693 to $4,494

Insurance prices for an Audi A8 are also quite variable based on your driving record, the model of your A8, and deductibles and policy limits.

Older drivers with no violations or accidents and high deductibles could pay as little as $1,100 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,400 a year. View Rates by Age

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 $890 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,660 on average in Michigan, New York, and Louisiana.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,050 -$110 -9.5%
Alaska $890 -$270 -23.3%
Arizona $964 -$196 -16.9%
Arkansas $1,160 -$0 0.0%
California $1,322 $162 14.0%
Colorado $1,110 -$50 -4.3%
Connecticut $1,192 $32 2.8%
Delaware $1,314 $154 13.3%
Florida $1,452 $292 25.2%
Georgia $1,070 -$90 -7.8%
Hawaii $832 -$328 -28.3%
Idaho $786 -$374 -32.2%
Illinois $864 -$296 -25.5%
Indiana $874 -$286 -24.7%
Iowa $782 -$378 -32.6%
Kansas $1,102 -$58 -5.0%
Kentucky $1,584 $424 36.6%
Louisiana $1,716 $556 47.9%
Maine $716 -$444 -38.3%
Maryland $958 -$202 -17.4%
Massachusetts $930 -$230 -19.8%
Michigan $2,016 $856 73.8%
Minnesota $972 -$188 -16.2%
Mississippi $1,390 $230 19.8%
Missouri $1,030 -$130 -11.2%
Montana $1,246 $86 7.4%
Nebraska $916 -$244 -21.0%
Nevada $1,392 $232 20.0%
New Hampshire $838 -$322 -27.8%
New Jersey $1,296 $136 11.7%
New Mexico $1,028 -$132 -11.4%
New York $1,222 $62 5.3%
North Carolina $668 -$492 -42.4%
North Dakota $950 -$210 -18.1%
Ohio $802 -$358 -30.9%
Oklahoma $1,192 $32 2.8%
Oregon $1,062 -$98 -8.4%
Pennsylvania $1,108 -$52 -4.5%
Rhode Island $1,548 $388 33.4%
South Carolina $1,050 -$110 -9.5%
South Dakota $980 -$180 -15.5%
Tennessee $1,018 -$142 -12.2%
Texas $1,398 $238 20.5%
Utah $860 -$300 -25.9%
Vermont $796 -$364 -31.4%
Virginia $696 -$464 -40.0%
Washington $900 -$260 -22.4%
West Virginia $1,062 -$98 -8.4%
Wisconsin $804 -$356 -30.7%
Wyoming $1,034 -$126 -10.9%

View Chart as Image

Audi A8 insurance rates by U.S. city

Choosing high deductibles could cut prices by as much as $360 each year, while buying higher liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $414 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 42% to 135% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company uses a different rate calculation, and prices may be quite different from one company to the next.

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 $1,144 $95
Audi A8 4.2L Quattro 4-Dr Sedan $1,160 $97

Rates assume 2007 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
2007 Audi A8 $230 $312 $460 $1,160

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

Getting lower rates on Audi A8 insurance requires being a low-risk driver, having a good credit history, being claim-free, and taking advantage of discounts. Set aside time to compare rates at least every other year by quoting rates from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The items below are a brief review of the car insurance concepts covered above.

  • High-risk drivers with DUI or reckless driving convictions pay on average $1,330 more every year to insure their A8
  • You may be able to save up to $130 per year simply by quoting early and online
  • Increasing physical damage deductibles can save around $350 each year
  • Drivers who may need more liability coverage will pay about $510 per year to increase from a low limit to 250/500 limits

Rates by Driver Age

Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,494
20 $2,640
30 $1,192
40 $1,160
50 $1,060
60 $1,038

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,394
$250 $1,288
$500 $1,160
$1,000 $1,036

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,160
50/100 $1,252
100/300 $1,367
250/500 $1,666
100 CSL $1,298
300 CSL $1,551
500 CSL $1,735

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,356
20 $4,202
30 $2,524
40 $2,490
50 $2,378
60 $2,354

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $60
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $46
Advance Quote $53
Online Quote $80
Total Discounts $467
Rate after discounts $693

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption