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...
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UPDATED: Apr 3, 2024
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The average auto insurance rates for an Audi A8 are $1,230 annually for full coverage. Comprehensive insurance costs on average $242 each year, collision costs $356, and liability coverage is $474. Buying just liability costs around $522 a year, with insurance for high-risk drivers costing $2,646 or more. Teen drivers cost the most to insure at $4,740 a year or more.
Average premium for full coverage: $1,230
Policy rates by type of insurance:
Prices are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 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 just liability coverage to a high rate of $2,646 for a high-risk driver policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than larger metro areas.
The graphic below illustrates the difference location can make on car insurance rates.
The examples above show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, rather than using 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.
Detailed Rate Analysis
The chart below shows estimated Audi A8 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $727
- Raising to $1,000 deductibles will save around $136 a year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,230
- Choosing low deductibles costs an additional $258 each year
- Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,646 or more
- Policy cost with full coverage for a teenage driver may cost $4,740
Insurance rates for an Audi A8 also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay upwards of $4,700 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,000 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 136% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $400 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Audi A8 insurance rates. A middle-age driver might find rates as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.
| 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% |
Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company uses a different rate calculation, so the rates will be varied between companies.
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 Buy Affordable Audi A8 Insurance
Finding cheaper rates on auto insurance consists of being a low-risk driver, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Make time to compare rates every time your policy renews by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.
The items below are a brief review of the information touched on in this article.
- Drivers can save as much as $140 per year simply by quoting online in advance
- Teen drivers pay the highest rates, costing up to $395 each month including comprehensive and collision insurance
- Increasing comprehensive and collision deductibles could save up to $400 each year
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,420 more each year to insure their A8
- Consumers who require more liability coverage will pay about $520 each year to raise from a 30/60 limit to higher 250/500 limits
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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