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: Feb 28, 2020

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Average auto insurance rates for an Audi A8 are $1,180 annually for full coverage. Comprehensive insurance costs around $234 each year, collision insurance costs $320, and liability is $468. Buying just liability costs around $518 a year, and insurance for high-risk drivers costs $2,536 or more. Teens receive the highest rates at up to $4,570 a year.

Average premium for full coverage: $1,180

Rate estimates for individual coverage type:

Comprehensive $234
Collision $320
Liability $468

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and A8 models.

Price Range by Coverage and Risk

For a driver in their 40's, prices range range from as cheap as $518 for your basic liability-only policy to a high rate of $2,536 for high-risk insurance.

Liability Only $518
Full Coverage $1,180
High Risk $2,536

Price Range by Location

Choosing to live in a large city can make a big difference on auto insurance rates. Areas with sparse population tend to have fewer accident claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance rates.

Rural Areas $885
Small Cities $1,239
Large Cities $1,593

These examples show why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, instead of making a decision based 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.

More Rate Information

The chart below shows average Audi A8 insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $702
  • Raising to $1,000 deductibles will save about $126 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,180
  • Selecting low deductibles costs an additional $238 annually
  • Drivers with serious driving violations could pay at least $2,536
  • The cost with full coverage for a 16-year-old driver can be $4,570

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing Audi A8 insurance prices range from $702 to $4,570 for full coverage

Auto insurance rates for an Audi A8 can also vary considerably based on the trim level of your A8, your driver profile, and deductibles and policy limits.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,100 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,500 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,400 to $1,900 in extra premium per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 132% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $370 annually, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $421 extra every year. View Rates by Deductible or Liability Limit

Where you live also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,690 on average in Michigan, Louisiana, and New York.

Audi A8 Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,068 -$112 -9.5%
Alaska $906 -$274 -23.2%
Arizona $980 -$200 -16.9%
Arkansas $1,180 -$0 0.0%
California $1,344 $164 13.9%
Colorado $1,130 -$50 -4.2%
Connecticut $1,214 $34 2.9%
Delaware $1,336 $156 13.2%
Florida $1,478 $298 25.3%
Georgia $1,090 -$90 -7.6%
Hawaii $848 -$332 -28.1%
Idaho $798 -$382 -32.4%
Illinois $880 -$300 -25.4%
Indiana $888 -$292 -24.7%
Iowa $796 -$384 -32.5%
Kansas $1,124 -$56 -4.7%
Kentucky $1,610 $430 36.4%
Louisiana $1,748 $568 48.1%
Maine $730 -$450 -38.1%
Maryland $972 -$208 -17.6%
Massachusetts $944 -$236 -20.0%
Michigan $2,050 $870 73.7%
Minnesota $988 -$192 -16.3%
Mississippi $1,414 $234 19.8%
Missouri $1,048 -$132 -11.2%
Montana $1,268 $88 7.5%
Nebraska $932 -$248 -21.0%
Nevada $1,416 $236 20.0%
New Hampshire $850 -$330 -28.0%
New Jersey $1,318 $138 11.7%
New Mexico $1,044 -$136 -11.5%
New York $1,244 $64 5.4%
North Carolina $680 -$500 -42.4%
North Dakota $968 -$212 -18.0%
Ohio $816 -$364 -30.8%
Oklahoma $1,212 $32 2.7%
Oregon $1,080 -$100 -8.5%
Pennsylvania $1,124 -$56 -4.7%
Rhode Island $1,576 $396 33.6%
South Carolina $1,070 -$110 -9.3%
South Dakota $998 -$182 -15.4%
Tennessee $1,034 -$146 -12.4%
Texas $1,422 $242 20.5%
Utah $872 -$308 -26.1%
Vermont $808 -$372 -31.5%
Virginia $708 -$472 -40.0%
Washington $912 -$268 -22.7%
West Virginia $1,080 -$100 -8.5%
Wisconsin $818 -$362 -30.7%
Wyoming $1,052 -$128 -10.8%

View Chart as Image

Audi A8 insurance rates by U.S. city

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 $1,160 $97
Audi A8 4.2L Quattro 4-Dr Sedan $1,180 $98

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 $234 $320 $468 $1,180

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 Cheap Audi A8 Insurance

Saving money on insurance for an Audi A8 consists of being a good driver, having above-average credit, eliminating unneeded coverage, and possibly raising deductibles. Invest time comparing rates every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The following list is a quick review of the material that was covered in the charts and tables above.

  • Insureds who may need an increased level of liability coverage will pay approximately $520 each year to raise from a minimum limit to higher 250/500 limits
  • Drivers age 16 to 20 are expensive to insure, costing as high as $381 per month if full coverage is included
  • Drivers considered higher risk with a DUI or reckless driving violation pay an average of $1,360 more every year than a safer driver
  • Increasing deductibles could save up to $375 each year

Rates by Driver Age

Audi A8 Insurance Rates by Driver Age
Driver Age Premium
16 $4,570
20 $2,686
30 $1,214
40 $1,180
50 $1,080
60 $1,058

Full coverage, $500 deductibles

Rates by Deductible

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,418
$250 $1,310
$500 $1,180
$1,000 $1,054

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,180
50/100 $1,274
100/300 $1,391
250/500 $1,695
100 CSL $1,320
300 CSL $1,578
500 CSL $1,765

Full coverage, driver age 40

Rates for High Risk Drivers

Audi A8 Insurance Rates for High Risk Drivers
Age Premium
16 $6,468
20 $4,278
30 $2,572
40 $2,536
50 $2,422
60 $2,396

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 $158

Potential Rate Discounts

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

Discount Savings
Multi-policy $61
Multi-vehicle $62
Homeowner $20
5-yr Accident Free $77
5-yr Claim Free $75
Paid in Full/EFT $47
Advance Quote $54
Online Quote $82
Total Discounts $478
Rate after discounts $702

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

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