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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Licensed Insurance Producer

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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Estimated insurance rates for an Audi A8 are $1,280 a year for full coverage insurance. Comprehensive costs on average $256, collision insurance costs $392, and liability coverage is estimated at $474. A liability-only policy costs approximately $522 a year, and high-risk insurance costs around $2,760. Teenage drivers pay the most at up to $4,906 a year.

Average premium for full coverage: $1,280

Premium estimates by type of coverage:

Comprehensive $256
Collision $392
Liability $474

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

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for an Audi A8 range from the low end price of $522 for just liability coverage 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 has a large influence on insurance rates. Rural areas are statistically proven to have lower incidents of physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects 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, rather than using 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.

Detailed Rate Analysis

The chart below illustrates average 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 price for a 40-year-old good driver with $500 deductibles is $1,280
  • Using more expensive low deductibles for comp and collision coverage bumps up the cost to $1,562
  • Drivers who are prone to accidents and violations could pay upwards of $2,760
  • An auto insurance policy that insures a teenage driver with full coverage may cost $4,906 each year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing Audi A8 insurance rates range from $752 to $4,906 for full coverage

Auto insurance prices for an Audi A8 also have a wide range based on the model year and trim level, your age and driving record, and policy deductibles and limits.

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

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $1,200 annually on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay upwards of $4,900 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Audi A8 insurance rates. 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

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

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 Find More Affordable Audi A8 Insurance

Finding better rates on auto insurance takes avoiding accidents and claims, maintaining a good credit score, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a summary of the information presented in the illustrations above.

  • It is possible to save as much as $150 per year just by shopping early and online
  • Drivers under the age of 20 are charged the highest prices, with premiums being up to $409 per month if the policy includes full coverage
  • Increasing policy deductibles can save approximately $425 each year
  • Drivers who have multiple accidents or major violations may pay on average $1,480 more each year to insure an Audi A8
  • Consumers who require increased liability limits will pay an extra $520 annually to raise limits from 30/60 bodily injury limits to the 250/500 level

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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