Audi A8 Insurance Rates

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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: Apr 3, 2024

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U.S. average insurance rates for an Audi A8 are $1,280 a year including full coverage. Comprehensive insurance costs around $256 a year, collision costs $392, and liability insurance costs around $474. Buying just liability costs as low as $522 a year, with insurance for high-risk drivers costing $2,760 or more. Teen drivers pay the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,280

Price estimates for individual coverage:

Comprehensive $256
Collision $392
Liability $474

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 $522 for basic liability insurance to a high of $2,760 for a high-risk insurance policy.

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

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

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 $752
  • Using higher $1,000 deductibles will save about $1,132 every year
  • The average rate for the average middle-age driver using $500 deductibles is $1,280
  • Choosing low $100 deductibles for physical damage coverage will cost an extra $282 a year
  • Drivers with multiple violations and an at-fault accident could pay at least $2,760 or more
  • The price for full coverage for a teen driver can be $4,906 or more

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

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 $1,200 a year for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay as much as $4,900 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 $980 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,830 on average in Michigan, New York, and Louisiana.

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

Choosing high deductibles could cut prices by as much as $430 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 $426 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 $1,500 to $2,100 additional each year, depending on your age. A high-risk auto insurance policy can be anywhere from 43% to 131% 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 $1,260 $105
Audi A8 4.2L Quattro 4-Dr Sedan $1,280 $107

Rates assume 2010 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 $486 $936 $372 $1,952
2023 Audi A8 $464 $900 $390 $1,912
2022 Audi A8 $444 $894 $398 $1,894
2021 Audi A8 $430 $872 $416 $1,876
2020 Audi A8 $414 $836 $430 $1,838
2019 Audi A8 $392 $806 $442 $1,798
2018 Audi A8 $376 $748 $452 $1,734
2017 Audi A8 $362 $704 $456 $1,680
2016 Audi A8 $346 $632 $460 $1,596
2015 Audi A8 $324 $580 $460 $1,522
2014 Audi A8 $312 $544 $464 $1,478
2013 Audi A8 $306 $508 $474 $1,446
2012 Audi A8 $282 $472 $474 $1,386
2011 Audi A8 $274 $428 $478 $1,338
2010 Audi A8 $256 $392 $474 $1,280
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 $1,480 more every year to insure their A8
  • You may be able to save up to $150 per year simply by quoting early and online
  • Increasing physical damage deductibles can save around $425 each year
  • Drivers who may need more liability coverage will pay about $520 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 $4,906
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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