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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Estimated insurance prices for an Audi A8 are $1,338 every 12 months for full coverage insurance. Comprehensive costs on average $274 each year, collision costs $428, and liability coverage is $478. A policy with only liability insurance costs around $526 a year, with a high-risk policy costing around $2,892. 16-year-old drivers pay the most at $5,096 a year or more.
Average premium for full coverage: $1,338
Premium estimates by type of coverage:
Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and A8 models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for an Audi A8 go from the cheapest price of $526 for just liability insurance to a high rate of $2,892 for a high-risk driver policy.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than congested cities.
The graphic below illustrates how your location can change car insurance rates.
These rate differences illustrate why all drivers should compare rates quotes based on a specific location and their own driving history, 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.
More Rate Details
The chart below illustrates estimated Audi A8 insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $781
- Raising to $1,000 deductibles will save around $160 each year
- The average price for a 40-year-old good driver with $500 deductibles is $1,338
- Buying low deductibles increases the price to $1,646
- Unlucky drivers with multiple tickets or accidents could pay upwards of $2,892 or more
- An auto insurance policy to insure a teenage driver may cost $5,096
Car insurance prices for an Audi A8 also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level of your A8.
Opting for high physical damage deductibles can reduce prices by up to $470 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $430 extra every 12 months. View Rates by Deductible or Liability Limit
More mature drivers with no driving violations and higher deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,000 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
Where you choose to live also has a big influence on Audi A8 insurance rates. A middle-age driver might find prices as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,810 on average in Michigan, New York, and Florida.
| 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% |
With such a large range in prices, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Audi A8 4.2 Quattro 4-Dr Sedan | $1,318 | $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 Shop for the Best Cheap Audi A8 Insurance
Finding better rates on auto insurance consists of being a low-risk driver, maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from several local insurance agents.
The items below are a quick review of the information illustrated above.
- It is possible to save as much as $160 per year simply by quoting online in advance
- Teen drivers are expensive to insure, with premiums being up to $425 per month if the policy includes full coverage
- Increasing policy deductibles could save as much as $475 each year
- Drivers with a DUI or reckless driving violation pay on average $1,550 more each year to insure their A8
- Consumers who require more liability coverage will pay around $530 annually to raise from 30/60 bodily injury limits to a 250/500 level
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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