Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Comprehensive $256
Collision $392
Liability $474

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 states and for different A8 trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for an Audi A8 go from as cheap as $522 for minimum levels of liability insurance to a much higher rate of $2,760 for a high-risk driver policy.

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

Insurance Price Range by Location

Living in a larger city can make a big difference on insurance rates. Rural areas are statistically proven to have fewer physical damage claims than densely populated cities.

The price range example below illustrates how location helps determine car insurance rates.

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

These rate differences illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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 illustrates estimated Audi A8 insurance rates for different risk profiles and scenarios.

  • The best discount rate is $752
  • Choosing higher $1,000 deductibles can save around $148 each year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,280
  • Using more expensive low deductibles for comp and collision coverage costs an additional $282 annually
  • Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,760 or more
  • An auto insurance policy with full coverage for a 16-year-old driver with full coverage may 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

Insurance prices for an Audi A8 also have a wide range based on the model of your A8, your risk profile, and policy deductibles and limits.

An older driver with no violations or accidents and high physical damage deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional annually, depending on your age. High-risk driver insurance ranges from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $430 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost up to $426 more each year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Audi A8 insurance prices. A good driver about age 40 could pay as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,730 on average in Michigan, New York, and Florida.

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

With such a large range in prices, the only way to figure out exactly what you will pay is to compare prices from multiple companies. Each auto insurer uses a different method to calculate prices, and prices will be substantially different 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 the Best Audi A8 Insurance

Finding better rates on insurance for an Audi A8 takes being a good driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by requesting rates from direct insurance companies, and also from local exclusive and independent agents.

The following list is a brief recap of the information covered in the charts and tables above.

  • It is possible to save as much as $150 per year simply by shopping early and online
  • Drivers age 16 to 20 pay higher prices, with premiums being up to $409 per month if they have full coverage
  • Increasing policy deductibles could save up to $425 each year
  • Drivers considered higher risk who tend to receive serious violations may pay on average $1,480 more each year than a safer driver
  • Insureds who require an increased level of liability coverage will pay an extra $520 annually to raise limits from 30/60 bodily injury limits to higher 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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