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 auto insurance rates for an Audi A8 are $1,280 annually for full coverage. Comprehensive costs on average $256 a year, collision insurance costs $392, and liability coverage is estimated at $474. Liability-only coverage costs approximately $522 a year, and high-risk coverage costs around $2,760. Teens pay the highest rates at up to $4,906 a year.
Average premium for full coverage: $1,280
Price estimates by individual coverage:
Prices are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Estimates are averaged for all states and A8 trim levels.
Price Range from Low to High
For the normal driver, Audi A8 insurance prices range from as cheap as $522 for basic liability insurance to a high of $2,760 for a driver that may need high-risk insurance.
Geographic Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas have fewer accident claims than cities with more traffic congestion. The diagram below illustrates how geographic area affects car insurance rates.
The ranges above show why it is important to get quotes based on a specific location and their own personal driving habits, rather than using 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.
Rate Comparisons
The chart below shows average Audi A8 insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $752
- Choosing higher $1,000 deductibles can save around $1,132 a year
- The estimated rate for the average middle-age driver with $500 deductibles is $1,280
- Selecting low $100 deductibles for comp and collision coverage will cost $1,562
- Drivers with serious driving violations could pay upwards of $2,760
- The price with full coverage for a teenage driver may cost $4,906 each year
Auto insurance prices for an Audi A8 are also quite variable based on the trim level and model year, your driver profile, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,200 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay upwards of $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges around 43% to 131% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $430 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $426 extra every year. View Rates by Deductible or Liability Limit
The state you live in 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 Idaho, Maine, and Iowa, or have to pay at least $1,830 on average in Michigan, Louisiana, and New York.
| 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% |
Insurance Rates by Trim Level and Model Year
| 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 2012 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 |
| 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 Buy Affordable Audi A8 Insurance
Getting lower rates on auto insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and deciding if full coverage is necessary. Invest the time to compare rates once a year by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a brief review of the data that was presented in the illustrations above.
- Drivers can save as much as $150 per year just by quoting early and online
- Consumers who require more liability coverage will pay approximately $520 each year to raise limits from a low limit to higher 250/500 limits
- Teen drivers are charged the highest prices, with premiums as much as $409 a month if full coverage is included
- Drivers with DUI or reckless driving convictions may be required to pay an average of $1,480 more each year to insure their A8
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,562 |
| $250 | $1,434 |
| $500 | $1,280 |
| $1,000 | $1,132 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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