Audi A8 Insurance Rates

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Compare 2022 Audi A8 Insurance Rates in 2025

Buying the lowest price car insurance may be problematic for price shopping on the web. With literally dozens of companies competing online, how can you be able to compare every one to find the lowest rates? You need to compare prices as often as possible due to the fact that insurance rates are constantly changing. If you had the lowest premium rates on A8 coverage last year you will most likely...

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Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

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UPDATED: Apr 3, 2024

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Average insurance prices for an Audi A8 are $1,280 every 12 months for full coverage. Comprehensive insurance costs an estimated $256 a year, collision costs $392, and liability is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing $2,760 or more. Teen drivers receive the highest rates at $4,906 a year or more.

Average premium for full coverage: $1,280

Rate estimates broken down by individual coverage type:

Comprehensive $256
Collision $392
Liability $474

Estimates include $500 policy deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all states and A8 trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from the cheapest price of $522 for liability-only coverage to a high of $2,760 for a driver that may need high-risk insurance.

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

Price Range by Location

Choosing to live in a large city can have significant affects on insurance rates. More rural locations tend to have more infrequent accident claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

These examples show why it is important to compare rates quotes for a targeted area and their own driving history, instead of 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.

Additional Charts and Tables

The chart below shows estimated Audi A8 insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $752
  • Raising to $1,000 deductibles will save approximately $1,132 a year
  • The average price for a 40-year-old driver who has $500 deductibles is $1,280
  • Choosing low $100 deductibles costs an extra $282 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay up to $2,760 or more
  • The cost to insure a teen driver can cost as much as $4,906

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

Choosing high deductibles can reduce rates by up to $430 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay at least $4,900 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you could be paying $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 43% to 131% more than average. View High Risk Driver Rates

Where you live also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

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 so much variability in rates, the only way to know which company is cheapest is to get quotes and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates can be significantly different.

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 Shop for Low Cost Audi A8 Insurance

Saving money on car insurance consists of avoiding accidents and claims, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Set aside time to compare rates once a year by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The points below are a review of the data that was covered above.

  • Drivers can save approximately $150 per year simply by quoting early and online
  • Policyholders who want increased liability limits will pay about $520 each year to raise from a minimum limit to a 250/500 level
  • Drivers under the age of 20 are expensive to insure, costing as high as $409 per month if full coverage is included
  • Higher risk drivers who have several accidents or serious violations pay on average $1,480 more annually to insure an Audi A8

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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