Audi A8 Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
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...
Licensed Insurance Agent
UPDATED: Apr 3, 2024
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U.S. average insurance rates for an Audi A8 are $1,230 a year including full coverage. Comprehensive insurance costs around $242, collision insurance costs $356, and liability costs $474. Liability-only insurance costs as little as $522 a year, and high-risk driver insurance costs $2,646 or more. Teenage drivers pay the highest rates at up to $4,740 a year.
Average premium for full coverage: $1,230
Price estimates for individual coverage:
Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for all A8 models.
Price Range from Low to High
For an average driver, Audi A8 insurance prices range from as low as $522 for just liability coverage to the much higher price of $2,646 for coverage for higher-risk drivers.
Geographic Price Range
Your location can make a big difference on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities. The example below illustrates the effect of geographic area on auto insurance rates.
The ranges above highlight why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on 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 breaks down average Audi A8 insurance rates for additional coverage choices and driver risks.
- The best discount rate is $727
- Drivers who choose higher $1,000 deductibles will pay about $136 every year
- The average rate for the average middle-age driver using $500 deductibles is $1,230
- Using pricier low deductibles for comprehensive and collision insurance will cost an extra $258 annually
- Drivers who are prone to accidents and violations could pay at least $2,646
- The price for full coverage for a 16-year-old driver for full coverage can be $4,740 a year
Car insurance prices for an Audi A8 are also quite variable based on your driving record, the model of your A8, and deductibles and policy limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,100 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $4,700 a year. View Rates by Age
The state you live in makes a big difference in Audi A8 insurance prices. A 40-year-old driver could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,750 on average in Michigan, New York, and Louisiana.
| 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% |
Using high physical damage deductibles could save up to $400 annually, whereas buying more liability protection will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $426 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you are likely paying at least $1,500 to $2,000 extra each year, depending on your age. Audi A8 insurance for high-risk drivers can cost from 42% to 136% more than a normal policy. View High Risk Driver Rates
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 Find Affordable Audi A8 Insurance
Getting lower rates on insurance for an Audi A8 not only requires being a good driver, but also having above-average credit, being claim-free, and consideration of higher deductibles. Take the time to compare rates at least once a year by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The following list is a brief review of the primary concepts that were covered in the above illustrations.
- You may be able to save up to $140 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk with DUI or reckless driving convictions pay on average $1,420 more every year than a safer driver
- Increasing physical damage deductibles can save around $400 each year
- Drivers age 16 to 20 are the costliest to insure, possibly costing $395 a month if full coverage is included
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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