Audi A8 Insurance Rates
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UPDATED: Jun 3, 2023
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Estimated insurance rates for an Audi A8 are $1,160 a year for full coverage. Comprehensive costs an estimated $230 each year, collision costs $312, and liability insurance is estimated at $460. Liability-only coverage costs approximately $510 a year, with high-risk coverage costing around $2,490. Teens pay the most at $4,494 a year or more.
Average premium for full coverage: $1,160
Premium estimates broken down by type of coverage:
Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and A8 models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for an Audi A8 go from as low as $510 for the bare minimum liability coverage to a high rate of $2,490 for coverage for higher-risk drivers.
Insurance Price Range by Location
Living in a larger city has a significant impact on insurance rates. More rural locations are statistically proven to have a lower frequency of accident claims than cities with more traffic congestion.
The graphic below illustrates the difference location can make on insurance prices.
These rate differences show why all drivers should get quotes for a targeted area and risk profile, rather than relying on 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.
Additional Rate Information
The chart below shows estimated Audi A8 insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $693
- Choosing higher $1,000 deductibles can save approximately $124 a year
- The average rate for a 40-year-old good driver who has $500 deductibles is $1,160
- Selecting low deductibles for comp and collision coverage will increase the cost to $1,394
- High-risk insureds with serious driving violations could pay up to $2,490 or more
- An auto insurance policy for full coverage for a teen driver can cost as much as $4,494 each year
Insurance prices for an Audi A8 also have a wide range based on your driving characteristics, the trim level of your A8, and liability limits and deductibles.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,100 annually on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay at least $4,400 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Audi A8 insurance rates. A good driver about age 40 could pay as low as $770 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,660 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,050 | -$110 | -9.5% |
| Alaska | $890 | -$270 | -23.3% |
| Arizona | $964 | -$196 | -16.9% |
| Arkansas | $1,160 | -$0 | 0.0% |
| California | $1,322 | $162 | 14.0% |
| Colorado | $1,110 | -$50 | -4.3% |
| Connecticut | $1,192 | $32 | 2.8% |
| Delaware | $1,314 | $154 | 13.3% |
| Florida | $1,452 | $292 | 25.2% |
| Georgia | $1,070 | -$90 | -7.8% |
| Hawaii | $832 | -$328 | -28.3% |
| Idaho | $786 | -$374 | -32.2% |
| Illinois | $864 | -$296 | -25.5% |
| Indiana | $874 | -$286 | -24.7% |
| Iowa | $782 | -$378 | -32.6% |
| Kansas | $1,102 | -$58 | -5.0% |
| Kentucky | $1,584 | $424 | 36.6% |
| Louisiana | $1,716 | $556 | 47.9% |
| Maine | $716 | -$444 | -38.3% |
| Maryland | $958 | -$202 | -17.4% |
| Massachusetts | $930 | -$230 | -19.8% |
| Michigan | $2,016 | $856 | 73.8% |
| Minnesota | $972 | -$188 | -16.2% |
| Mississippi | $1,390 | $230 | 19.8% |
| Missouri | $1,030 | -$130 | -11.2% |
| Montana | $1,246 | $86 | 7.4% |
| Nebraska | $916 | -$244 | -21.0% |
| Nevada | $1,392 | $232 | 20.0% |
| New Hampshire | $838 | -$322 | -27.8% |
| New Jersey | $1,296 | $136 | 11.7% |
| New Mexico | $1,028 | -$132 | -11.4% |
| New York | $1,222 | $62 | 5.3% |
| North Carolina | $668 | -$492 | -42.4% |
| North Dakota | $950 | -$210 | -18.1% |
| Ohio | $802 | -$358 | -30.9% |
| Oklahoma | $1,192 | $32 | 2.8% |
| Oregon | $1,062 | -$98 | -8.4% |
| Pennsylvania | $1,108 | -$52 | -4.5% |
| Rhode Island | $1,548 | $388 | 33.4% |
| South Carolina | $1,050 | -$110 | -9.5% |
| South Dakota | $980 | -$180 | -15.5% |
| Tennessee | $1,018 | -$142 | -12.2% |
| Texas | $1,398 | $238 | 20.5% |
| Utah | $860 | -$300 | -25.9% |
| Vermont | $796 | -$364 | -31.4% |
| Virginia | $696 | -$464 | -40.0% |
| Washington | $900 | -$260 | -22.4% |
| West Virginia | $1,062 | -$98 | -8.4% |
| Wisconsin | $804 | -$356 | -30.7% |
| Wyoming | $1,034 | -$126 | -10.9% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $360 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will cost up to $414 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying $1,400 to $1,900 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 42% to 135% more than the average policy. View High Risk Driver Rates
With such a large range in prices, the only way to know which insurance company is cheapest is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so the prices will be substantially different from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi A8 4.2 Quattro 4-Dr Sedan | $1,144 | $95 |
| Audi A8 4.2L Quattro 4-Dr Sedan | $1,160 | $97 |
Rates assume 2007 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 |
|---|---|---|---|---|
| 2007 Audi A8 | $230 | $312 | $460 | $1,160 |
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 the Best Cheap Audi A8 Insurance
Finding better rates on Audi A8 insurance takes being a low-risk driver, maintaining good credit, not filing small claims, and taking advantage of discounts. Make time to compare rates at least once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The items below are a quick review of the primary concepts that were touched on in this article.
- Drivers can save approximately $130 per year simply by quoting online in advance
- High-risk drivers with a DUI or reckless driving violation pay an average of $1,330 more annually to insure their A8
- Increasing policy deductibles can save around $350 each year
- Teen drivers are charged the highest prices, as much as $375 per month for full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,494 |
| 20 | $2,640 |
| 30 | $1,192 |
| 40 | $1,160 |
| 50 | $1,060 |
| 60 | $1,038 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,394 |
| $250 | $1,288 |
| $500 | $1,160 |
| $1,000 | $1,036 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,160 |
| 50/100 | $1,252 |
| 100/300 | $1,367 |
| 250/500 | $1,666 |
| 100 CSL | $1,298 |
| 300 CSL | $1,551 |
| 500 CSL | $1,735 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,356 |
| 20 | $4,202 |
| 30 | $2,524 |
| 40 | $2,490 |
| 50 | $2,378 |
| 60 | $2,354 |
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 | $60 |
| Multi-vehicle | $61 |
| Homeowner | $19 |
| 5-yr Accident Free | $75 |
| 5-yr Claim Free | $73 |
| Paid in Full/EFT | $46 |
| Advance Quote | $53 |
| Online Quote | $80 |
| Total Discounts | $467 |
Discounts are estimated and may not be available from every company or in every state.
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