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 $1,338 a year with full coverage. Comprehensive costs around $274, collision insurance costs $428, and liability coverage costs $478. Buying just liability costs as little as $526 a year, and insurance for high-risk drivers costs around $2,892. 16-year-old drivers pay the highest rates at up to $5,096 a year.
Average premium for full coverage: $1,338
Price estimates for individual coverage:
Full coverage includes $500 policy deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for different A8 trim levels.
Price Range from Low to High
Using a middle-aged driver as an example, Audi A8 insurance prices range from the low end price of $526 for just the minimum liability insurance to a much higher rate of $2,892 for high-risk insurance.
Geographic Price Range
Your location has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities. The price range example below illustrates how where you live affects auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than using rate 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.
Additional Rate Analysis
The chart below details average Audi A8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $781
- Drivers who choose higher $1,000 deductibles will pay about $160 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,338
- Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $1,646
- High-risk insureds with multiple tickets or accidents could pay at least $2,892
- The price that insures a teenage driver with full coverage can be $5,096 a year
Insurance prices for an Audi A8 are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,200 additional each year, depending on your age. High-risk driver insurance can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,200 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,000 a year. View Rates by Age
The state you live in makes a big difference in Audi A8 insurance rates. A 40-year-old driver could pay as low as $970 a year in states like New Hampshire, Ohio, and Utah, or at least $1,810 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$126 | -9.4% |
| Alaska | $1,026 | -$312 | -23.3% |
| Arizona | $1,112 | -$226 | -16.9% |
| Arkansas | $1,338 | -$0 | 0.0% |
| California | $1,526 | $188 | 14.1% |
| Colorado | $1,280 | -$58 | -4.3% |
| Connecticut | $1,376 | $38 | 2.8% |
| Delaware | $1,516 | $178 | 13.3% |
| Florida | $1,676 | $338 | 25.3% |
| Georgia | $1,236 | -$102 | -7.6% |
| Hawaii | $962 | -$376 | -28.1% |
| Idaho | $906 | -$432 | -32.3% |
| Illinois | $998 | -$340 | -25.4% |
| Indiana | $1,010 | -$328 | -24.5% |
| Iowa | $904 | -$434 | -32.4% |
| Kansas | $1,274 | -$64 | -4.8% |
| Kentucky | $1,828 | $490 | 36.6% |
| Louisiana | $1,982 | $644 | 48.1% |
| Maine | $826 | -$512 | -38.3% |
| Maryland | $1,104 | -$234 | -17.5% |
| Massachusetts | $1,072 | -$266 | -19.9% |
| Michigan | $2,328 | $990 | 74.0% |
| Minnesota | $1,120 | -$218 | -16.3% |
| Mississippi | $1,606 | $268 | 20.0% |
| Missouri | $1,188 | -$150 | -11.2% |
| Montana | $1,440 | $102 | 7.6% |
| Nebraska | $1,056 | -$282 | -21.1% |
| Nevada | $1,606 | $268 | 20.0% |
| New Hampshire | $964 | -$374 | -28.0% |
| New Jersey | $1,498 | $160 | 12.0% |
| New Mexico | $1,186 | -$152 | -11.4% |
| New York | $1,412 | $74 | 5.5% |
| North Carolina | $770 | -$568 | -42.5% |
| North Dakota | $1,096 | -$242 | -18.1% |
| Ohio | $926 | -$412 | -30.8% |
| Oklahoma | $1,376 | $38 | 2.8% |
| Oregon | $1,226 | -$112 | -8.4% |
| Pennsylvania | $1,278 | -$60 | -4.5% |
| Rhode Island | $1,786 | $448 | 33.5% |
| South Carolina | $1,214 | -$124 | -9.3% |
| South Dakota | $1,130 | -$208 | -15.5% |
| Tennessee | $1,172 | -$166 | -12.4% |
| Texas | $1,616 | $278 | 20.8% |
| Utah | $994 | -$344 | -25.7% |
| Vermont | $916 | -$422 | -31.5% |
| Virginia | $800 | -$538 | -40.2% |
| Washington | $1,034 | -$304 | -22.7% |
| West Virginia | $1,226 | -$112 | -8.4% |
| Wisconsin | $926 | -$412 | -30.8% |
| Wyoming | $1,194 | -$144 | -10.8% |
Opting for high physical damage deductibles could save up to $470 a year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $430 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 | $1,318 | $110 |
| Audi A8 4.2L Quattro 4-Dr Sedan | $1,338 | $112 |
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 | $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 |
| 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
Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Comparison shop every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.
The points below are a summary of the material that was touched on in the above illustrations.
- Consumers who may need increased liability limits will pay around $530 every year to go from a low limit to the 250/500 level
- Drivers under the age of 20 are charged the highest prices, costing up to $425 a month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations may pay on average $1,550 more every year to insure an Audi A8
- Increasing physical damage deductibles can save approximately $475 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,096 |
| 20 | $3,064 |
| 30 | $1,386 |
| 40 | $1,338 |
| 50 | $1,226 |
| 60 | $1,200 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,646 |
| $250 | $1,506 |
| $500 | $1,338 |
| $1,000 | $1,178 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,338 |
| 50/100 | $1,434 |
| 100/300 | $1,553 |
| 250/500 | $1,864 |
| 100 CSL | $1,481 |
| 300 CSL | $1,744 |
| 500 CSL | $1,936 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,248 |
| 20 | $4,886 |
| 30 | $2,942 |
| 40 | $2,892 |
| 50 | $2,760 |
| 60 | $2,732 |
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 | $71 |
| Multi-vehicle | $71 |
| Homeowner | $21 |
| 5-yr Accident Free | $93 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $94 |
| Total Discounts | $557 |
Discounts are estimated and may not be available from every company or in every state.
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