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 approximately $274, collision insurance costs $428, and liability costs around $478. A policy with only liability insurance costs as low as $526 a year, and a high-risk policy costs around $2,892. Teenage drivers pay the most at up to $5,096 a year.
Average premium for full coverage: $1,338
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for all A8 models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for an Audi A8 range from the cheapest price of $526 for just liability insurance to the much higher price of $2,892 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can make a big difference on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities. The example below illustrates how geographic area affects auto insurance prices.
These rate differences illustrate why everyone should compare prices using their specific location and their own driving history, instead of making a decision based on average rates.
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 average Audi A8 insurance rates for additional coverage and risk scenarios.
- The best discount rate is $781
- Using higher $1,000 deductibles will save $160 each year
- The average price for a 40-year-old good driver who chooses $500 deductibles is $1,338
- Using pricier low deductibles for physical damage coverage increases the price to $1,646
- High-risk insureds who are prone to accidents and violations could pay around $2,892
- An auto insurance policy to insure a 16-year-old driver for full coverage can cost $5,096 or more
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 model of your A8.
Using high physical damage deductibles could cut prices by as much as $470 annually, whereas buying more liability protection will push prices upward. 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
A more mature driver with no driving violations and higher deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark 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 anywhere from $1,600 to $2,200 extra annually, depending on your age. Audi A8 insurance for high-risk drivers can be from 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you choose to live has a huge impact on Audi A8 insurance prices. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,810 on average in Florida, New York, and Michigan.
| 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% |
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 Cheapest Audi A8 Insurance
Finding better rates on insurance for an Audi A8 requires being a good driver, maintaining a good credit score, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest the time to compare rates at least every other year by getting rate quotes from direct insurance companies, and also from local insurance agencies.
The following list is a recap of the car insurance concepts presented in the illustrations above.
- Drivers considered higher risk that have major violations or accidents may have to pay on average $1,550 more per year than a safer driver
- It is possible to save around $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles could save as much as $475 each year
- Insureds who purchase an increased level of liability coverage will pay an extra $530 annually to increase 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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