Audi A8 Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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The average insurance prices for an Audi A8 are $1,230 every 12 months including full coverage. Comprehensive insurance costs approximately $242 a year, collision insurance costs $356, and liability is $474. Buying just liability costs around $522 a year, and insurance for high-risk drivers costs $2,646 or more. 16-year-old drivers cost the most to insure at up to $4,740 a year.
Average premium for full coverage: $1,230
Policy rates by type of insurance:
Price estimates include $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and A8 trim levels.
Price Range Variability
For the normal driver, Audi A8 insurance rates range from the cheapest price of $522 for the bare minimum liability coverage to a high of $2,646 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The diagram below illustrates how geographic area affects auto insurance prices.
The examples above highlight why it is important to compare rates quotes using their specific location and their own driving history, instead of 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.
Additional Rate Information
The chart below breaks down average Audi A8 insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $727
- Raising to $1,000 deductibles will save $1,094 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,230
- Buying low $100 deductibles costs an extra $258 every year
- At-risk drivers with multiple tickets or accidents could pay around $2,646
- Policy cost to insure a teen driver can cost $4,740
Insurance rates for an Audi A8 also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your A8.
Opting for high physical damage deductibles can reduce rates by up to $400 every year, while buying higher liability limits will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Older drivers with a clean driving record and higher deductibles may pay as little as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,500 to $2,000 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 136% more than the average rate. View High Risk Driver Rates
Your home state also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates 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.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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.
| 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 Shop for Cheaper Audi A8 Insurance
Finding cheaper rates on car insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Invest the time to compare rates once a year by requesting rates from direct car insurance companies, and also from your local car insurance providers.
The points below are a condensed summary of the data that was presented in the illustrations above.
- You may be able to save around $140 per year just by quoting early and online
- Policyholders who purchase increased liability limits will pay around $520 per year to raise from a 30/60 limit to a 250/500 level
- Drivers under the age of 20 are expensive to insure, with premiums being up to $395 each month if they have full coverage
- Higher risk drivers with multiple at-fault accidents could be charged and average of $1,420 more per year to insure an Audi A8
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,488 |
| $250 | $1,370 |
| $500 | $1,230 |
| $1,000 | $1,094 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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