Audi A8 Insurance Rates

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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 insurance costs on average $274 each year, collision costs $428, and liability costs $478. Liability-only insurance costs as little as $526 a year, with high-risk driver insurance costing $2,892 or more. Teens pay the highest rates at $5,096 a year or more.

Average premium for full coverage: $1,338

Price estimates by individual coverage:

Comprehensive $274
Collision $428
Liability $478

Price estimates include $500 deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Estimates are averaged for all U.S. states and A8 models.

Price Range from Low to High

For a 40-year-old driver, Audi A8 insurance prices go from as low as $526 for just liability coverage to a high rate of $2,892 for high-risk insurance.

Liability Only $526
Full Coverage $1,338
High Risk $2,892

Geographic Price Range

Your location can have significant affects on auto insurance rates. Rural areas have a lower frequency of collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change car insurance rates.

Rural Areas $1,004
Small Cities $1,405
Large Cities $1,806

The ranges above demonstrate why all drivers should compare rates based on a specific location and risk profile, instead of 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.

Detailed Rate Analysis

The chart below details estimated Audi A8 insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $781
  • Drivers who choose higher $1,000 deductibles will pay around $160 annually
  • The average rate for the average middle-age driver with $500 deductibles is $1,338
  • Selecting low deductibles for comprehensive and collision insurance will cost an extra $308 every year
  • Higher-risk drivers with serious driving violations could pay upwards of $2,892 or more
  • The price for full coverage for a teen driver may cost $5,096 a year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance prices range from $781 to $5,096

Car insurance prices for an Audi A8 are also quite variable based on your driving record, the trim level and model year, and policy deductibles and limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,200 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged upwards of $5,000 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 $970 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,810 on average in Florida, Michigan, and New York.

Audi A8 Insurance Rates by State
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%

View Chart as Image

Audi A8 insurance rates by U.S. city

Choosing higher comprehensive and collision insurance deductibles could save up to $470 every year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $430 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at a minimum $1,600 to $2,200 extra each year, depending on your age. Insurance for high-risk drivers can cost as much as 43% to 133% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out exactly what you will pay is to do a rate comparison and see which company has the best price. Every company calculates prices differently, so rate quotes may be quite different from one company to the next.

Insurance Rates by Trim Level and Model Year

Audi A8 Insurance Rates by Model and Trim Level
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.

Audi A8 Insurance Rates by Model Year
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 Cheaper Audi A8 Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to shop around every couple of years by getting quotes from direct companies like Progressive and GEICO, and also from local insurance agents.

The following is a condensed summary of the material that was illustrated above.

  • Policyholders who require higher liability limits will pay approximately $530 every year to go from a low limit to 250/500 limits
  • Teens are expensive to insure, costing up to $425 a month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents may be required to pay an average of $1,550 more each year for A8 insurance
  • Increasing physical damage deductibles can save around $475 each year

Rates by Driver Age

Audi A8 Insurance 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

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,506
$500 $1,338
$1,000 $1,178

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
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

Audi A8 Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $781

Discounts are estimated and may not be available from every company or in every state.

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