Audi A8 Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
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
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
The average insurance rates for an Audi A8 are $1,230 a year including full coverage. Comprehensive insurance costs on average $242, collision insurance costs $356, and liability coverage is estimated at $474. Liability-only insurance costs approximately $522 a year, and high-risk driver insurance costs $2,646 or more. Teen drivers cost the most to insure at up to $4,740 a year.
Average premium for full coverage: $1,230
Policy rates by type of insurance:
Prices are based on $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all A8 models.
Price Range Variability
Using a 40-year-old driver as an example, Audi A8 insurance rates range from as low as $522 for basic liability insurance to the much higher price of $2,646 for high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas. The example below illustrates how rural and urban location affects car insurance rates.
The examples above highlight why everyone should get quotes based on a specific location and risk profile, rather than 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.
Rate Comparisons
The chart below breaks down average Audi A8 insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $727
- Choosing higher $1,000 deductibles can save around $136 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,230
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $258 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $2,646
- Policy cost for full coverage for a teenage driver for full coverage may cost $4,740 each year
Auto insurance rates for an Audi A8 also range considerably based on your risk profile, the model of your A8, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay upwards of $4,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Missouri, New Hampshire, and Vermont, or 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% |
Choosing high deductibles can save as much as $400 a year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $426 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,000 in extra premium every year, depending on your age. Audi A8 insurance for high-risk drivers ranges around 42% to 136% more than average. 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
Finding cheaper rates on auto insurance takes being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Set aside time to shop around every couple of years by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
Below is a brief review of the material that was raised in the charts and tables above.
- Consumers who require higher levels of liability will pay about $520 per year to raise limits from a 30/60 limit to 250/500 limits
- Teenage drivers are charged the highest rates, with premiums being up to $395 each month if they have full coverage
- Drivers with DUI or reckless driving convictions may pay on average $1,420 more each year for auto insurance
- Increasing comprehensive and collision deductibles can save around $400 each year
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
