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 $1,338 annually including full coverage. Comprehensive costs around $274 a year, collision insurance costs $428, and liability coverage is $478. Liability-only coverage costs around $526 a year, and high-risk coverage costs around $2,892. 16-year-old drivers cost the most to insure at up to $5,096 a year.
Average premium for full coverage: $1,338
Policy rates for type of insurance:
Full coverage includes $500 policy deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 U.S. states and A8 trim levels.
Price Range Variability
For a 40-year-old driver, Audi A8 insurance rates range from as cheap as $526 for just the minimum liability insurance to a high of $2,892 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are shown to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.
The examples above highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using rate 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.
Additional Rate Analysis
The chart below breaks down average Audi A8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $781
- Raising to $1,000 deductibles will save about $1,178 every year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,338
- Buying low $100 deductibles will cost $1,646
- Unlucky drivers with multiple tickets or accidents could pay at least $2,892
- Policy cost with full coverage for a teenage driver can be $5,096
Insurance rates for an Audi A8 also range considerably based on the model year and trim level, your driving characteristics, and deductibles and policy limits.
Older drivers with no violations or accidents and high physical damage deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay as much as $5,000 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 at least $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $470 a year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $430 more each 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 $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,910 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$126 | -9.4% |
| Alaska | $1,026 | -$312 | -23.3% |
| Arizona | $1,112 | -$226 | -16.9% |
| Arkansas | $1,338 | -$0 | 0.0% |
| California | $1,526 | $188 | 14.1% |
| Colorado | $1,280 | -$58 | -4.3% |
| Connecticut | $1,376 | $38 | 2.8% |
| Delaware | $1,516 | $178 | 13.3% |
| Florida | $1,676 | $338 | 25.3% |
| Georgia | $1,236 | -$102 | -7.6% |
| Hawaii | $962 | -$376 | -28.1% |
| Idaho | $906 | -$432 | -32.3% |
| Illinois | $998 | -$340 | -25.4% |
| Indiana | $1,010 | -$328 | -24.5% |
| Iowa | $904 | -$434 | -32.4% |
| Kansas | $1,274 | -$64 | -4.8% |
| Kentucky | $1,828 | $490 | 36.6% |
| Louisiana | $1,982 | $644 | 48.1% |
| Maine | $826 | -$512 | -38.3% |
| Maryland | $1,104 | -$234 | -17.5% |
| Massachusetts | $1,072 | -$266 | -19.9% |
| Michigan | $2,328 | $990 | 74.0% |
| Minnesota | $1,120 | -$218 | -16.3% |
| Mississippi | $1,606 | $268 | 20.0% |
| Missouri | $1,188 | -$150 | -11.2% |
| Montana | $1,440 | $102 | 7.6% |
| Nebraska | $1,056 | -$282 | -21.1% |
| Nevada | $1,606 | $268 | 20.0% |
| New Hampshire | $964 | -$374 | -28.0% |
| New Jersey | $1,498 | $160 | 12.0% |
| New Mexico | $1,186 | -$152 | -11.4% |
| New York | $1,412 | $74 | 5.5% |
| North Carolina | $770 | -$568 | -42.5% |
| North Dakota | $1,096 | -$242 | -18.1% |
| Ohio | $926 | -$412 | -30.8% |
| Oklahoma | $1,376 | $38 | 2.8% |
| Oregon | $1,226 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$60 | -4.5% |
| Rhode Island | $1,786 | $448 | 33.5% |
| South Carolina | $1,214 | -$124 | -9.3% |
| South Dakota | $1,130 | -$208 | -15.5% |
| Tennessee | $1,172 | -$166 | -12.4% |
| Texas | $1,616 | $278 | 20.8% |
| Utah | $994 | -$344 | -25.7% |
| Vermont | $916 | -$422 | -31.5% |
| Virginia | $800 | -$538 | -40.2% |
| Washington | $1,034 | -$304 | -22.7% |
| West Virginia | $1,226 | -$112 | -8.4% |
| Wisconsin | $926 | -$412 | -30.8% |
| Wyoming | $1,194 | -$144 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi A8 4.2 Quattro 4-Dr Sedan | $1,318 | $110 |
| Audi A8 4.2L Quattro 4-Dr Sedan | $1,338 | $112 |
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 | $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 Buy More Affordable Audi A8 Insurance
Finding cheaper rates on auto insurance consists of avoiding accidents and claims, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around every year by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The points below are a summary of the coverage data illustrated above.
- You may be able to save up to $160 per year just by quoting early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- Drivers under the age of 20 are charged the highest rates, with premiums being up to $425 each month if they have full coverage
- Drivers who have multiple accidents or major violations may pay on average $1,550 more every year to insure an Audi A8
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,096 |
| 20 | $3,064 |
| 30 | $1,386 |
| 40 | $1,338 |
| 50 | $1,226 |
| 60 | $1,200 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,506 |
| $500 | $1,338 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,338 |
| 50/100 | $1,434 |
| 100/300 | $1,553 |
| 250/500 | $1,864 |
| 100 CSL | $1,481 |
| 300 CSL | $1,744 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,248 |
| 20 | $4,886 |
| 30 | $2,942 |
| 40 | $2,892 |
| 50 | $2,760 |
| 60 | $2,732 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $557 |
Discounts are estimated and may not be available from every company or in every state.
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