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 insurance rates for an Audi A8 are $1,230 a year with full coverage. Comprehensive costs around $242 each year, collision insurance costs $356, and liability is $474. Liability-only coverage costs around $522 a year, and high-risk coverage costs around $2,646. Teens cost the most to insure at up to $4,740 a year.
Average premium for full coverage: $1,230
Policy rates for type of insurance:
Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and A8 models.
Price Range Variability
For a driver around age 40, Audi A8 insurance rates range from the low end price of $522 for just liability coverage to a high rate of $2,646 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.
The examples above demonstrate why all drivers should compare rates quotes for a specific zip code, instead of making a decision based on averaged prices.
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 details average Audi A8 insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $727
- Raising to $1,000 deductibles will save about $136 annually
- The estimated price for a good driver age 40 using $500 deductibles is $1,230
- Selecting low deductibles bumps up the cost to $1,488
- Drivers with serious driving violations could pay at least $2,646
- Policy cost that insures a 16-year-old driver can be $4,740
Insurance rates for an Audi A8 also range considerably based on the trim level and model year, your age and driving habits, and deductibles and policy limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,500 to $2,000 additional every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 42% to 136% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,100 every 12 months on average, or $92 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay as much as $4,700 a year. View Rates by Age
Your home state also has a big influence on Audi A8 insurance prices. A middle-age driver might find rates as low as $890 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,660 on average in Florida, Michigan, 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% |
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $400 annually, whereas increasing liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more each year. View Rates by Deductible or Liability Limit
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 Low Cost Audi A8 Insurance
Finding cheaper rates on insurance for an Audi A8 consists of having a decent driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Compare rates at least every other year by requesting rates from direct companies, and also from your local independent and exclusive agents.
The following items are a review of the car insurance concepts covered above.
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,420 more every year than a driver with a clean driving record
- You may be able to save up to $140 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $400 each year
- Insureds who may need additional liability coverage will pay approximately $520 every year to raise from a 30/60 limit to the 250/500 level
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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