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.
Average insurance rates for an Audi A8 are $1,280 a year for full coverage. Comprehensive costs an estimated $256 each year, collision costs $392, and liability insurance is $474. A policy with just liability insurance costs around $522 a year, with coverage for high-risk drivers costing around $2,760. Teen drivers receive the highest rates at $4,906 a year or more.
Average premium for full coverage: $1,280
Rate estimates broken down by individual coverage type:
Estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and A8 models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range go from the low end price of $522 for basic liability insurance to a high rate of $2,760 for a high-risk driver policy.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.
The graphic below illustrates the difference location can make on insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area, rather than relying on 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 shows estimated Audi A8 insurance rates for other coverage scenarios.
- The lowest rate with discounts is $752
- Raising to $1,000 deductibles will save approximately $148 a year
- The estimated price for a 40-year-old driver who has $500 deductibles is $1,280
- Choosing low deductibles bumps up the cost to $1,562
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,760 or more
- The cost that insures a teen driver can cost as much as $4,906
Insurance rates for an Audi A8 can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.
If you like to drive fast or you caused an accident, you could be paying $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than average. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay at least $4,900 a year. View Rates by Age
Where you live also has a big influence on Audi A8 insurance rates. A middle-age driver might find rates as low as $840 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.
| 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% |
Choosing high deductibles can reduce rates by up to $430 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $426 more each year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and rates can be significantly different.
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 Find Low Cost Audi A8 Insurance
Saving money on Audi A8 insurance consists of avoiding accidents and violations, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Shop around every time your policy renews by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The list below is a review of the information touched on in this article.
- Drivers can save approximately $150 per year simply by quoting online in advance
- Teenagers are expensive to insure, costing as high as $409 per month if comprehensive and collision insurance is included
- Increasing deductibles can save approximately $425 each year
- High-risk drivers who have several accidents or serious violations may pay on average $1,480 more annually for car insurance
- Drivers who want higher liability limits will pay about $520 each year to raise from a minimum limit to the 250/500 level
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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
