Audi A8 Insurance Rates

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UPDATED: Apr 3, 2024

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The average insurance rates for an Audi A8 are $1,280 a year with full coverage. Comprehensive costs approximately $256 each year, collision costs $392, and liability coverage costs $474. Buying just liability costs as little as $522 a year, with insurance for high-risk drivers costing around $2,760. Teenage drivers cost the most to insure at $4,906 a year or more.

Average premium for full coverage: $1,280

Policy rates by type of insurance:

Comprehensive $256
Collision $392
Liability $474

These estimates include $500 physical damage deductibles, liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and A8 models.

Price Range Variability

For a driver in their 40's, Audi A8 insurance rates go from the low end price of $522 for just the minimum liability insurance to a high rate of $2,760 for a driver that may need high-risk insurance.

Liability Only $522
Full Coverage $1,280
High Risk $2,760

Urban vs. Rural Price Range

Your location has a large influence on the price of insurance. Rural locations are shown to have lower incidents of collision claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

Rural Areas $960
Small Cities $1,344
Large Cities $1,728

The examples above demonstrate why all drivers should compare rates using their specific location, rather than using 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.

Additional Rate Analysis

The chart below details estimated Audi A8 insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $752
  • Drivers who choose higher $1,000 deductibles will pay $148 annually
  • The estimated price for a good driver age 40 who chooses $500 deductibles is $1,280
  • Using low deductibles for comprehensive and collision insurance bumps up the cost to $1,562
  • High-risk insureds who are prone to accidents and violations could pay around $2,760 or more
  • Policy cost that insures a teenage driver can cost $4,906 a year

View Chart as Image

Audi A8 insurance cost comparison chart
Column chart showing full coverage Audi A8 insurance rates range from $752 to $4,906

Insurance rates for an Audi A8 also range considerably based on the trim level and model year, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers can cost around 43% to 131% more than a normal policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $4,900 a year. View Rates by Age

Your home state makes a big difference in Audi A8 insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,730 on average in New York, Michigan, and Florida.

Audi A8 Insurance Rates by State
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%

View Chart as Image

Audi A8 insurance rates by U.S. city

Using high physical damage deductibles could save up to $430 a year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $426 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

Audi A8 Insurance Rates by Model and Trim Level
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.

Audi A8 Insurance Rates by Model Year
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 Cheap Audi A8 Insurance

Finding cheaper rates on auto insurance not only requires being a safe and courteous driver, but also having above-average credit, not filing small claims, and maximizing policy discounts. Compare prices once a year by getting quotes from direct companies, and also from local insurance agencies.

Below is a brief summary of the data that was covered in the charts and tables above.

  • You may be able to save around $150 per year simply by quoting online in advance
  • Consumers who purchase higher levels of liability will pay an extra $520 every year to go from a 30/60 limit to the 250/500 level
  • Teenage drivers are expensive to insure, as much as $409 each month if full coverage is included
  • Drivers that tend to have accidents or serious violations may have to pay on average $1,480 more per year for auto insurance

Rates by Driver Age

Audi A8 Insurance 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

Audi A8 Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,562
$250 $1,434
$500 $1,280
$1,000 $1,132

Full coverage, driver age 40

Rates by Liability Limit

Audi A8 Insurance Rates with Different Liability Limits
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

Audi A8 Insurance 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.

SR-22 Surcharge $175

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
Rate after discounts $752

Discounts are estimated and may not be available from every company or in every state.

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