Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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The average auto insurance rates for an Audi A8 are $1,280 annually including full coverage. Comprehensive insurance costs approximately $256 each year, collision costs $392, and liability insurance is estimated at $474. Liability-only insurance costs approximately $522 a year, with high-risk driver insurance costing $2,760 or more. Teens cost the most to insure at $4,906 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Comprehensive $256
Collision $392
Liability $474

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and A8 models.

Price Range Variability

For the average 40-year-old driver, Audi A8 insurance rates go from as cheap as $522 for minimum levels of liability insurance to a high rate of $2,760 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,280
High Risk $2,760

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the difference location can make on auto insurance prices.

Rural Areas $960
Small Cities $1,344
Large Cities $1,728

The examples above highlight why all drivers should get quotes using their specific location and their own personal driving habits, rather than relying on 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.

Additional Rate Details

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

  • The cheapest rate after discounts is $752
  • Choosing higher $1,000 deductibles can save $148 every year
  • The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,280
  • Selecting low deductibles for comp and collision coverage costs an additional $282 a year
  • High-risk insureds with serious driving violations could pay around $2,760 or more
  • Policy cost with full coverage for a teen driver can cost $4,906 each year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance prices range from $752 to $4,906

Auto insurance rates for an Audi A8 also range considerably based on the model year and trim level, your driving characteristics, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $4,900 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 131% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $430 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $980 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,830 on average in Louisiana, New York, and Michigan.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,158 -$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%

View Chart as Image

Audi A8 insurance rates by U.S. city

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to do a rate comparison from as many companies as possible. Each auto insurer calculates rates differently, and quoted rates will be varied between companies.

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 $1,260 $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.

Audi A8 Insurance Rates by Model Year
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 Buy More Affordable Audi A8 Insurance

Finding cheaper rates on Audi A8 insurance takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and not having any coverage lapses. Make time to compare rates once a year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

Below you'll find a summary of the data that was touched on in this article.

  • You may be able to save around $150 per year simply by quoting online in advance
  • Drivers who purchase more liability protection will pay approximately $520 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • Youthful drivers have the highest car insurance rates, with premiums being up to $409 each month if full coverage is included
  • High-risk drivers who have multiple accidents or major violations may have to pay on average $1,480 more per year than a low-risk driver

Rates by Driver Age

Audi A8 Insurance 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

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,434
$500 $1,280
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
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

Audi A8 Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $752

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

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