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 insurance. Comprehensive costs around $256 each year, collision costs $392, and liability insurance is $474. Liability-only coverage costs around $522 a year, with high-risk coverage costing around $2,760. 16-year-old drivers pay the highest rates at $4,906 a year or more.
Average premium for full coverage: $1,280
Price estimates for individual coverage:
Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and A8 models.
Price Range from Low to High
For the average 40-year-old driver, Audi A8 insurance prices go from as cheap as $522 for liability-only coverage to a high rate of $2,760 for a driver who requires high-risk insurance.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have fewer physical damage claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance rates.
The ranges above illustrate why all drivers should compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on 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 Charts and Tables
The chart below illustrates estimated Audi A8 insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $752
- Raising to $1,000 deductibles will save about $148 each year
- The estimated rate for the average middle-age driver using $500 deductibles is $1,280
- Buying low deductibles will cost $1,562
- Higher-risk drivers with multiple tickets or accidents could pay at least $2,760 or more
- The price with full coverage for a teen driver can be $4,906
Auto insurance prices for an Audi A8 are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they will have to pay as much as $4,900 a year. View Rates by Age
If you have some driving violations or you caused a few accidents, you are probably paying at least $1,500 to $2,100 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 131% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $430 each year, whereas increasing liability limits will increase prices. Switching 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 also has a big influence on Audi A8 insurance rates. A middle-age driver might find prices as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.
| 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% |
Since prices can be so different, the only way to figure out your exact price is to do a rate comparison from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different between companies.
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 the Right Audi A8 Insurance
Getting lower rates on Audi A8 insurance consists of not taking risks behind the wheel, having above-average credit, not filing small claims, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The following is a quick rundown of the concepts that were touched on in this article.
- High-risk drivers with reckless driving or DUI convictions pay on average $1,480 more every year for A8 insurance
- Teens are expensive to insure, as much as $409 a month if full coverage is included
- It is possible to save up to $150 per year simply by quoting online in advance
- Increasing physical damage deductibles could save up to $425 each year
- It is possible to save up to $150 per year simply by quoting online in advance
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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